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VALIDATED

ACP CATALYST BUYER, LLC

Trust Score

Excellent Why this score?

Company CheckACP CATALYST BUYER, LLC · DOT 7960527

DBA: NAVAJO EXPEDITED

3111 W PIPKIN RD SUITE 110, LAKELAND, FL, 33811-1499

DOT# 7960527 MC# MC-54501854 Lakeland, Florida

BROKER

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Power Units

Drivers

Crashes (24-Month)

$75,000

Insurance

Not Rated

Safety Rating

Inspections

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Public record

5 events tracked · latest Oct 31, 2026 ↓ Show details ↓

Identity & ownership 1

Sep 25, 2026
Mailing address changed in FMCSA records.

Safety & compliance 2

Aug 4, 2026
Registered with FMCSA.
Aug 4, 2026
GRANTED PROPERTY BROKER.

Insurance 2

Current
Active insurance on file through PACIFIC FINANCIAL ASSOCIATION, INC ($75).
Aug 3, 2026
Insurance on file through PACIFIC FINANCIAL ASSOCIATION, INC ($75).

Public FMCSA record · blue clean · orange change · red risk.

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address3111 W PIPKIN RD SUITE 110, LAKELAND, FL, 33811-1499

Broker Surety Bond FMCSA BMC-84/85

Brokers must keep a $75,000 surety bond or trust fund on file with FMCSA. If it lapses, FMCSA revokes the broker’s authority, so an active bond is the key thing a carrier should verify before hauling for a broker.

Bond StatusActive

Required$75,000 (FMCSA min)

Last checked10/30/2026

TypeTrust Fund (BMC-85)

Effective08/03/2026

Surety / TrusteePACIFIC FINANCIAL ASSOCIATION, INC

Contact☎ (800) 595-2615
🌐 pfaprotects.com

Bond history

PACIFIC FINANCIAL ASSOCIATION, INCsince Aug 3, 2026 · active

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Other Companies at This Address

Address3111 W PIPKIN RD SUITE 110, LAKELAND, FL 33811-1499

Others here

Distinct phones

Active

Company	DOT	Phone	Status
ACP CATALYST BUYER, LLC	5044179	Sign in	Active
ACP CATALYST BUYER, LLC this company	7960527	Sign in	Active

Note: sharing an address is legal and common (registered agents, virtual offices, business centers). A shared address never reduces the Trust Score.

Operating Authorities

Authority TypePROPERTY BROKER

Carrier OperationC - Intrastate (Non-Hazmat)

BrokerActive

Insurance

Amount$75,000

CompanyPACIFIC FINANCIAL ASSOCIATION, INC

Last checked10/30/2026

Active Policies1

Quick Facts

StatusActive

TypeBroker

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
85	TRUST FUND	PACIFIC FINANCIAL ASSOCIATION, INC	NONE	$75,000	08/03/2026	-	-

Form	Type	Insurance Company	Policy	Coverage	Effective
85	TRUST FUND	PACIFIC FINANCIAL ASSOCIATION, INC	NONE	$75,000	08/03/2026

Docket	Type	Action	Served	Disposition	Disp Date
MC54501854	PROPERTY BROKER	GRANTED	08/04/2026	-	-

No revocation records.

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Trust Score over time and the complete authority and insurance timeline, not just today.

88/100

Excellent

VERIFIED

Every carrier starts at 100. We subtract points for each missing requirement or risk factor below. Verified means all four core requirements pass.

Score breakdown, from 100 to 88

−10

Starts at 100−12 totalFinal 88

Very new carrier (under 1 year)−10

No email address on file−2

Verification, 4 core requirements

Active operating authority

FMCSA shows the USDOT registration and authority are active.

Active broker authority

Holds active broker authority.

Broker bond (BMC-84) on file

Insurance coverage and carrier are on file with FMCSA.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-10

Very new carrier (under 1 year)

Operating authority was granted less than a year ago.

-2

No email address on file

No public email address on record.

How we calculate the Trust Score

Every company starts at 100

We subtract points for each missing requirement or risk factor. Verified means all the core requirements for that company's type pass. Nothing is added back, the score is a deduction model built only on public FMCSA data. No pay-to-play, no opinions.

Requirements differ by company type

Each company is judged fairly on its own FMCSA obligations. Anything that doesn't apply shows as a grey N/A, not required, never a penalty.

Carrier (for-hire)

Operating authority, authorized-for-hire, insurance on file, safety rating.

Broker

Broker authority + $75k surety bond (BMC-84/85). MCS-150 not required (no fleet).

Freight forwarder

FF authority + $75k bond + BOC-3. MCS-150 not required (no trucks).

Private carrier

Active USDOT + MCS-150 + safety. No operating authority / for-hire / insurance filing required (hauls its own goods).

Crashes are scaled, not flat

Crash history is proportional. We don't apply a flat penalty, we scale it to (a) crashes per vehicle in the fleet and (b) the share of those crashes that were fatal. So a big, safe fleet barely moves; a small fleet with many (and fatal) crashes takes a large hit.

0 pts deductedscaled by rate & severityup to −28 pts

Low end

50,000 vehicles + 1 crash → ~0 pts. A huge fleet with very few crashes per vehicle is almost untouched.

High end

5 vehicles + 3 crashes incl. fatal → large deduction (near the −28 cap). Many crashes per truck, fatal-heavy.

Mechanics: deduction is capped at 28 points, weighted roughly 60% on crashes-per-vehicle and 40% on the fatal ratio. Zero crashes = zero deduction. If fleet size is unknown, only crash severity can move the score (conservative).

Out-of-service rate vs. the national average

Driver and vehicle out-of-service rates are measured against the FMCSA national average, not a flat number. A company only takes the deduction when it sits above the national benchmark, for example “Vehicle OOS 37% vs national avg 20.7%”.

Point reference, the full menu

Every factor and exactly how many points it can remove. Knockout factors (they also fail Verification) are marked.

Factor	Points
USDOT / authority not active with FMCSA knockout	−25
Missing operating authority (when required) knockout	−15
No insurance or surety bond on file (when required) knockout	−25
Unsatisfactory safety rating knockout	−30
Conditional safety rating	−12
MCS-150 biennial update overdue (carriers)	−10
Crashes, rate-adjusted (per-vehicle & fatal share)	0 to −28
Driver OOS rate above national average	−5
Vehicle OOS rate above national average	−5
Very new carrier (under 1 year)	−10
Limited operating history (1-3 years)	−6
Moderate operating history (3-5 years)	−3
Operating history unknown	−3
No public phone number	−3
No public email address	−2

All inputs come from public FMCSA records (operating authority, insurance/bond filings, the SAFER/SMS safety profile, crash & inspection reports). If FMCSA updates a record, the score updates with it. For the full deduction table, see the methodology page.

ACP CATALYST BUYER, LLC

Trust Score

Public record

Company Information

Contact Details

Broker Surety Bond FMCSA BMC-84/85

Other Companies at This Address

Operating Authorities

Insurance

Quick Facts

Licensing & Insurance

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