Abstract: A tie-down apparatus includes a plurality of O-rings and a plurality of fasteners laterally situated from the O-rings such that the fasteners become disposed at opposite ends of the apparatus. The apparatus further includes a plurality of central straps having a fixed length and oppositely registered looped end portions. The central straps are permanently conjoined to the O-rings and slidably adjustable about a circumference of the O-rings. The present invention further includes a first strap having oppositely registered looped end portions and a second strap having opposed end portions. A mechanism for adjusting a length of the second strap is also included. The adjusting mechanism includes a ratcheting come-a-long and a third strap having oppositely registered looped end portions. A plurality of anchoring brackets are fastened to the flat bed of the pick-up truck and are permanently secured to selected regions of the flat bed of the pick-up truck.