Finance your cargo. From shipment to receivables.
Rhofin helps US importers finance eligible supplier balances after shipment confirmation and before cargo release. Your logistics provider verifies custody, your supplier gets paid directly, and you settle before release.
Your supplier is paid directly
The eligible supplier balance is paid directly once shipment is confirmed and logistics custody is verified. You pay your usual deposit; your cash stays in your account.
Cash preserved before release
Keep cash available for your next PO, duties, freight, payroll or customer commitments while cargo is still in transit or awaiting release.
Shipment by shipment
Financing is tied to specific eligible cargo and ends before release. No requirement to finance every shipment.
Founding pilot now open. Applications open. Financing is subject to eligibility, credit approval and applicable regulatory requirements. Rhofin is not a bank.
The Problem
Supplier balances
block the next shipment.
The supplier wants the balance paid.
The remaining supplier balance may be required before the goods are usable or monetizable, often when shipment is confirmed and weeks before the cargo can earn anything.
The goods can't pay for themselves.
The shipment is still in transit, at destination, or awaiting release. The cash is committed long before the cargo generates any revenue.
The next shipment waits.
Cash used for this shipment is no longer available for the next PO, the next season, or the next customer order.
How It Works
How it works.
Two steps per shipment. You pay your deposit as usual; financing starts once the shipment is confirmed and ends before cargo release.
Shipment confirmed
Eligible supplier balance is financed once cargo is under logistics control and the B/L is issued.
Settle before release
Pay in cash, or settle with a delivered invoice from a previous shipment to an approved US-listed buyer. Either way, your cargo releases and keeps moving.
The invoice you assign is from an earlier, already-delivered batch, not the cargo you're releasing now.
Built around your trade cycle
Shipment by shipment
Use financing only when it helps.
No standing commitment
No minimums, monthly fees or ongoing commitment.
Capacity with volume
Eligibility can grow with verified shipment and invoice history, subject to review.
Example
Balance due before release.
You place a $100,000 order and pay the supplier deposit or upfront amount required under your terms. When the shipment is confirmed, a remaining supplier balance is due. The cargo will not be released for another 35 to 45 days. The eligible supplier balance is paid directly to your supplier, and you settle before release.
Your supplier is paid, your shipment keeps moving, and your cash stays available during the pre-release window.
Supplier payment terms vary. Rhofin finances eligible supplier balances, not a fixed percentage of every order.
For Repeat Importers
Batches work together.
For a single shipment, Rhofin helps bridge the supplier-balance gap before release. For repeat importers, multiple eligible batches can create a rolling working-capital cycle across shipments.
Batch A · delivered
An eligible receivable may be financed after proof of delivery.
Batch B · in transit
The eligible supplier balance may be financed before release.
Batch C · planned
Cash is preserved for the next PO.
Rhofin does not finance the same released goods on an unsecured basis; the benefit comes from combining eligible batches. Subject to eligibility, verification and approval.
Then Keep Going
Turn delivered invoices into cash.
Inventory finance covers the pre-release window. Receivables finance is separate, after proof of delivery. For repeat importers, the two work together across batches to free up cash trapped in the import cycle.
| Inventory Finance | Receivables Finance | |
|---|---|---|
| Trigger | Shipment confirmed / B/L issued | Delivery confirmed / POD issued |
| Cash goes to | Supplier | You |
| Later payment | You repay before cargo release | Customer pays the assigned invoice |
| Result | Cargo released | Invoice converted into cash |
Founding Pilot · Now Open
Fund your next shipment.
We're onboarding a small group of founding customers for our founding pilot, now open. You're not joining a waitlist, you're shaping the product. Founding customers keep early-adopter terms as the programme grows.
Tell us about your business and we'll be in touch within 24 hours.
Financing is subject to eligibility, credit approval and applicable regulatory requirements. Rhofin is not a bank.
What happens next
We verify your details. Most applicants hear back within 24 hours.
Set your password and access the Rhofin pilot platform.
Our team will reach out to discuss the pilot.