Inventory Finance · US Importers · Limited Release

Your supplier is paid at shipment. You pay at arrival.

On an approved shipment, Rhofin pays your supplier balance direct and advances your ocean freight. You repay before the cargo is released. One shipment at a time. No standing line.

Check shipment fitSee how it works

The price

Rates from 1.45% per 30 days on the supplier balance advance.

Your transaction-specific APR, total financing cost and repayment date are shown before you commit.

No origination, arrangement, documentation, wire, platform or monthly fees. A default margin applies to amounts unpaid from the sixth day after maturity.

Supplier balance paid direct

You pay your usual supplier deposit. Rhofin pays the balance direct to your supplier once the goods ship. Your cash stays in your account.

Ocean freight advanced

Eligible ocean freight is advanced at no financing charge and repaid at face value.

Repaid when the cargo lands

Typically 35 to 55 days from shipment to arrival, depending on your route. You pay for the days you use, not for a fixed term.

Available to qualifying US business entities importing by ocean through a participating logistics provider. Availability varies by state.

$2.5tntrade finance gap globally— ADB, 202541%of SME trade finance applications rejected— ADB, 202580%of global trade is supported by financing— WTO

Market statistics are attributed to their sources and were accurate as at the dates shown. Rhofin does not independently verify third party data.

The alternatives

What importers do
when the balance is due.

Drain your own cash

Pay the balance from your account.

Cash you need for the next PO, duties, freight and payroll leaves weeks before the cargo can earn anything back.

Expensive short-term money

Take a merchant cash advance.

Fast. Priced as a factor rate rather than an APR, so the annual cost is hard to see. Secured against your whole business. Repaid on a fixed daily or weekly schedule whether or not your cargo has arrived.

Terms you won't get

Ask the supplier to wait.

Most overseas suppliers will not give open-account terms to a smaller US importer, and pushing for them can strain the relationship.

With Rhofin

Rhofin funds the one shipment that needs it, then steps back.

Rates from 1.45% per 30 days on the supplier balance advance. Your transaction-specific APR, total financing cost and repayment date are shown before you commit.

Rhofin's standard collateral consists of the specific financed cargo and its identifiable proceeds. Rhofin does not ordinarily take a blanket lien over unrelated business assets. The financing is full recourse, and any additional credit support is disclosed before signing. No standing line. No daily debits.

Check shipment fit

How It Works

Paid at shipment. Repaid before release.

Two steps per shipment. You pay your deposit as usual. Financing starts when the shipment is confirmed and ends before the cargo is released.

Drag the cargo between the two Rhofin stages
Supplier paid · financing active
Financing window
1

Your supplier is paid

Your logistics provider confirms custody and the bill of lading is issued. Rhofin then pays your supplier balance direct and advances your ocean freight. On a $50,000 order with a 30% deposit, that is $35,000 to your supplier. Your $15,000 deposit is the only cash you have put in.

Your cash stays available
2

You repay and take release

Repay the amount due before release. On that $50,000 order held 45 days at our lowest current rate, the amount due on the supplier balance is $35,761, plus the freight advance at face value. Your own rate is set per transaction. Rhofin then issues the release instruction and your cargo keeps moving.

Cargo released

Rhofin instructs payment to your supplier within one business day of custody confirmation and bill of lading issuance, once you are set up on the Rhofin platform. Setup happens once, at onboarding, before your first financed shipment. Illustrative flow, not to scale.

Financing is full recourse and secured on the financed cargo and its proceeds. What you're agreeing to

Built around your trade cycle

Shipment by shipment

Use financing only when it helps.

No standing commitment

No monthly fees and no ongoing commitment.

Repeat shipments

Once you are set up, repeat shipments are reviewed against the same criteria and can move faster. Each shipment remains subject to eligibility and transaction approval.

Illustration

How a $50,000 order works at our lowest current rate.

Illustrative example at our lowest currently available rate.

At shipment · day 0

Supplier balance paid direct

Supplier invoice
$50,000
Your deposit, 30%, paid by you as usual
$15,000
Balance advanced direct to your supplier, 70%
$35,000

Eligible ocean freight is advanced at no financing charge and repaid at face value. It is quoted per shipment, so it is not in the figures above.

On arrival at the destination CFS · 45 days later

You repay, cargo released

Supplier balance principal
$35,000
Cost of financing, 45 days at our lowest current rate of 1.45% per 30 days
$761.25
Total on the financed supplier balance
$35,761.25

Total cost: $761.25 over 45 days.

Interest accrues on the supplier balance advance only. No origination, arrangement, documentation, wire, platform or monthly fees.

That total is the cost of the financing, not your landed cost.

Illustrative example only. Not an offer of credit. Your amount financed, APR, total cost and repayment date are quoted in full before you commit. See Important information clause 5.

For Repeat Importers

Choose how to settle.

Before the current shipment is released, you can settle Rhofin in cash or with an eligible receivable from a previously delivered shipment.

Cash

Pay in cash

Repay the agreed amount in cash. Rhofin issues the release instruction and the current shipment keeps moving.

Previous receivable

Sell a previous receivable

Rhofin purchases an eligible invoice from an earlier delivered shipment. The purchase price is applied toward the amount due on the current shipment.

Available only for an eligible receivable from an earlier delivered shipment. If the receivable is not eligible, the inventory-finance transaction is settled in cash. See Important information clause 10.

This connects inventory finance before release with receivables finance after delivery, extending liquidity across the importer's booking-to-cash cycle.

Booking-to-Cash Extension

Turn delivered invoices into cash.

Inventory finance covers the supplier balance and eligible freight before cargo release. After delivery, receivables finance purchases eligible invoices. For repeat importers, the purchase price from an earlier delivered shipment can be used to settle or support a later shipment, extending Rhofin from booking to cash across successive shipments.

Inventory financeReceivables finance
Before cargo releaseAfter proof of delivery
Pays the eligible supplier balance and advances eligible freightPurchases an eligible customer invoice
Importer settles before releaseApproved buyer pays the purchased invoice
Keeps the shipment movingConverts delivered sales into cash
See receivables finance

Limited Release

Fund your next shipment.

Rhofin is live in limited release, accepting a limited number of qualifying US businesses and transactions. Availability depends on funding capacity, transaction eligibility and applicable state requirements. Tell us about your business and your proposed shipment, and we will confirm whether it may qualify.

Key terms

Rhofin is an uncommitted facility secured on the cargo it finances. Rhofin decides each shipment separately and may decline any request. These terms apply to every financed shipment.

Cost.
Rates from 1.45% per 30 days on the supplier balance advance. Your rate depends on your credit profile, the shipment, the route, the supplier and the jurisdiction, and your transaction-specific APR and total cost are shown before you commit. No origination, arrangement, documentation, wire, platform or monthly fees. Ocean freight is advanced at no financing charge. A default margin applies from the sixth day after maturity. Clause 6
Security.
Rhofin's standard collateral consists of the specific financed cargo and its identifiable proceeds. Rhofin does not ordinarily take a blanket lien over unrelated business assets. The financing is full recourse, and any additional credit support is disclosed before signing. Clause 7
Cargo release.
For a financed shipment, the cargo is released only against Rhofin's release instruction. Clause 7
Recourse.
If the cargo does not cover what is owed you remain liable for the shortfall, and Rhofin may sell the cargo. Clause 7
Repayment.
Due on arrival of the cargo at the destination CFS, or earlier if you sell or take the goods. Clause 7
If cargo is released before payment.
You hold the goods and their sale proceeds in trust for Rhofin until the advance is repaid. Clause 7
Not financed.
Duties, taxes, demurrage, detention and storage remain yours. Clause 8
Out of scope.
Commodities, seasonal and fungible bulk, perishables, hazmat, pharma, alcohol, tobacco, weapons, sanctioned or high UFLPA risk supply chains, overland cargo from Canada or Mexico. Clause 9
Your bank.
Most facilities restrict additional debt and additional liens. If another lender holds a security interest in your inventory, funding may require their subordination. Clause 11
Figures on this site are examples.
Your amount financed, APR, total cost and repayment date are quoted in full before you commit. Clause 5

This is a preliminary enquiry, not an application. No credit check is run at this stage. Clause 3

Each term links to its clause in Important information, the full terms.

The full terms

Important information

13 clauses. Version 2026-08-12.1, effective 12 August 2026.

  1. 1. Who we are. Rhofin Inc. is a nonbank commercial finance company, not a bank. Rhofin does not accept deposits or hold customer funds.
  2. 2. Business use only. All financing described is commercial financing extended to business entities for business purposes. It is not available for personal, family or household purposes, and is not available to sole proprietorships, general partnerships or individuals.
  3. 3. Nothing here is an offer. Nothing on this website is an offer or commitment to extend financing or to purchase a receivable. Submitting the form is a preliminary enquiry, not an application, and no credit check is run at that stage. Any transaction is subject to eligibility, verification, credit approval, required disclosures, definitive documentation and applicable law. Those documents govern. Nothing on this website varies them.
  4. 4. Who provides the financing. During Rhofin's current limited-release phase, inventory financing may be provided directly by Rhofin, Inc. from its own balance sheet. Rhofin, Inc. is a nonbank commercial finance company and is not a bank. Rhofin does not accept deposits. The legal lender applicable to each transaction is identified in the definitive financing documents. Rhofin, Inc. may also provide the technology platform and act as servicer, administrator, agent or collateral agent, as specified in those documents. Financing is offered only where permitted by applicable law. Rhofin finances US incorporated businesses only. Availability varies by state. Financing requires the shipment to move through a participating logistics provider.
  5. 5. Figures are examples. Figures shown are illustrative examples, not quotations. Your amount financed, annual percentage rate, total cost and repayment date are set at approval and disclosed to you in full before you commit.
  6. 6. Pricing. Financing is priced per transaction. Rates start at 1.45% per 30 days on the supplier balance advance, and your rate depends on your credit profile, the shipment, the route, the supplier and the jurisdiction. Your amount financed, annual percentage rate, total financing cost and repayment date are set at approval and disclosed to you in full before you commit. There are no origination, arrangement, documentation, wire, platform or monthly fees. Eligible ocean freight is advanced at no financing charge and repaid at face value. A default margin applies to amounts unpaid from the sixth day after the maturity date, at the rate stated in your documents before you sign. Pricing may vary by state where required by applicable law.
  7. 7. What the financing is. Rhofin extends a secured commercial loan against a specific shipment. Rhofin holds the bill of lading and takes a purchase money security interest in the specific financed goods and their identifiable proceeds, as described in the definitive transaction documents and applicable UCC filings. Rhofin holds a negotiable to-order bill of lading with telex and express release disabled. The cargo is released only against Rhofin's release instruction, under a procedure agreed in advance with the responsible logistics provider. The financing is full recourse, so if realising the cargo does not cover the amount owed you remain liable for the shortfall. If an amount stays unpaid Rhofin may sell the financed cargo, and has committed to use commercially reasonable efforts to complete a disposition within 90 days after maturity, subject to the exceptions in your documents, including legal process, customs or regulatory holds, casualty, general average, salvage, the absence of a commercially reasonable market, and your own acts or omissions. Repayment falls due on arrival of the cargo at the destination CFS, or on availability for collection where the shipment moves as a full container load, or on the earlier date on which the goods are sold or released to you. If you sell the goods you must prepay from the proceeds. Where cargo is released to you before payment, you hold the goods and their sale proceeds in trust for Rhofin, must keep the proceeds identifiable, and may be required to route them through an account Rhofin designates. Where your documents do not require cargo insurance, you bear the risk of loss, damage or destruction from any cause, and no such event reduces or suspends what you owe. Any additional credit support is set per facility and stated in your documents before signing.
  8. 8. What is not financed. Duties, taxes and other government charges, demurrage, detention and storage are not financed and remain your responsibility, as they would be without financing. Where Rhofin pays a logistics charge to obtain release of your cargo, that amount is added to what you owe and bears interest at the rate applicable to advances. A customs detention, seizure or withhold release order does not suspend your obligation to repay.
  9. 9. Out of scope. Commodities, seasonal goods and fungible bulk, goods not identifiable by container and lot marks, perishables, hazmat, pharma, alcohol, tobacco, weapons, sanctioned or high UFLPA risk supply chains, overland cargo from Canada or Mexico, businesses in serious financial distress, and importers shipping fewer than about four times a year. Approved lanes and approved suppliers only.
  10. 10. Using an earlier receivable for a later shipment. With Rhofin's prior written approval for each receivable, Rhofin may purchase an eligible receivable arising from an earlier delivered batch under the Master Receivables Purchase Agreement. A receivable is eligible only if it arises from completed delivery supported by proof of delivery, is undisputed, legally enforceable and free from set-off or deduction, has not previously been sold, assigned or encumbered, and is owed by a buyer approved by Rhofin within the applicable ageing and concentration limits. The purchase price may be paid to you or applied toward the amount due under a separate inventory-finance transaction. To the extent the purchase price is applied to the inventory-finance transaction, that amount is treated as paid when the receivable purchase is completed and is not conditional on Rhofin later collecting from the buyer. Rhofin may notify the buyer of the purchase and direct the buyer to pay Rhofin. If Rhofin does not accept the receivable for purchase, the inventory-finance transaction must be settled in cash. Following a purchase, you remain responsible only for the seller-risk events and exclusions set out in the Master Receivables Purchase Agreement. Rhofin does not continuously finance the same goods between cargo release and proof of delivery. This clause does not apply where you are named as a Protected Client under a partner agreement between Rhofin and your factoring company. In that case Rhofin does not purchase your receivables during the applicable protection period, and an inventory-finance transaction is settled in cash, which you may fund from availability under your factoring facility at your request and with your factor's approval.
  11. 11. Your existing lenders. Rhofin is designed to sit alongside an existing bank facility. Where another lender holds a security interest in your inventory, funding is conditional on a lien search showing no competing interest, or on a subordination, release or estoppel acceptable to Rhofin. You must identify that lender so Rhofin can send the UCC notice the law requires before you take possession of the goods. Most bank facilities also restrict additional indebtedness and additional liens. Whether Rhofin financing is permitted under your own facility documents is for you and your lender to confirm.
  12. 12. Law and forum. Your transaction documents are governed by New York law. The state and federal courts in Manhattan have jurisdiction. You and Rhofin waive trial by jury. Payments are made in full without set-off or counterclaim.
  13. 13. No advice. Nothing on this website is legal, tax, accounting or financial advice.

End of Important information, version 2026-08-12.1, effective 12 August 2026.

Scroll to the end to continue.

Open the Important information and read to the end to enable this.

See how we handle your data in our privacy policy.

This is a preliminary enquiry and not an application. It creates no offer or commitment. See Important information clause 3.

What happens next

01

Initial review

We review your business, your shipping history and your proposed transaction. If we cannot proceed, we tell you in writing and explain why.

02

Onboarding

If the transaction may qualify, you complete onboarding. This covers business verification and a credit review, which may include a review of the personal credit of the business's principals with their consent. You then get access to the Rhofin platform. Onboarding happens once.

03

Transaction approval

We verify the shipment, confirm the terms and complete the documents. You see the final numbers before you sign anything.