Buildout capacity · AI infrastructure suppliers
Win the order. Get paid at shipment.
Rhofin is designed to help qualified suppliers pursue larger US data-center orders without consuming the bank capacity needed to manufacture them. At bid stage, an indicative capacity certificate can support the offer. Once completed and tested, the equipment ships under controlled release documents, and Rhofin targets funding within 48 hours of eligibility.*
Start with one purchase order. Indicative view within 48 hours.
Rhofin funds completed equipment only. Completed, serialized compute nodes are eligible under separate advance and remarketing parameters. Raw materials and work in progress remain with you and your production lender, and installation and commissioning economics remain yours. Indicative concept, subject to buyer, equipment, corridor, legal, insurance, capital and production-lender approval.
A $1,000,000 order, illustrated
One modular power order, shipped as a single lot. It assumes a 15% buyer deposit, a 70% release milestone, a 90% initial advance against that milestone and a 15% commissioning holdback.
$150,000
Buyer deposit at PO, where the purchase order provides for one. Typically 15%.
$630,000
Rhofin's initial cash advance, at shipment of the completed equipment.
$780,000
In hand before the equipment is installed, on an order your bank line could not have carried alone.
No production risk transferred to Rhofin
A $50,000 seller reserve follows on clean settlement, taking the total to $830,000 before installation, and the buyer's $150,000 commissioning retainage is paid after commissioning in the normal way.
Illustrative structure, not a quotation. The buyer deposit is shown only where the PO provides for one. The buyer still pays the original purchase price; only the release milestone moves forward to cargo release. Final economics depend on the buyer, equipment, corridor, insurance, legal structure and capital approval. See clause 8.
86 to 93%
Target initial cash advance, as a percentage of the buyer's release payment.
30 to 110 days
Target funded tenor, from shipment takeout to buyer payment and release.
Transaction-specific
Pricing and total cost are shown before commitment.
15 to 25%
Typical commissioning retainage, which stays the buyer's performance protection.
Indicative target parameters only, not terms. A separate commitment fee and disclosed third-party costs may apply, and final terms are set transaction by transaction. See clause 8.
Compute nodes in transit
Compute nodes: separate parameters.
Compute nodes are the most serialized and most remarketable equipment in the data-center supply chain, and the most price-volatile. The lower advance and the mark-to-market trigger reflect that. Multi-year GPU leasing, residual-value risk and speculative destination inventory remain out of scope.
70 to 80%
Target initial cash advance on compute nodes, as a percentage of the buyer's release payment, against 86 to 93% on power and distribution equipment.
More than 15%
Mark-to-market trigger. If the agreed price reference falls more than this between shipment and release, undisputed amounts fall due early or the seller reserve is topped up.
20 to 90 days
Target funded tenor: 20 to 60 days by air, 45 to 90 days by ocean.
60 days
Disposition target, with a named remarketing agent and a secondary-market price reference agreed at approval.
5 to 10%
Typical commissioning retainage. Nodes are burned in at the original manufacturer, so commissioning is rack-and-cable, not months.
Export-compliant
Export-control classification and end-user screening completed before funding. Rhofin does not fund a shipment it has not screened.
Indicative target parameters only, not terms. The price reference, the remarketing agent and the disposition target are named in the definitive documents for each transaction. Compute-specific conditions are in clause 9A and export controls in clause 9B.
The opportunity
Your orders are scaling faster than your bank line.
AI infrastructure is being ordered at a size the supply base has never quoted before. Rhofin is built for suppliers receiving data-center purchase orders two to five times their historical order size. Demand is not the constraint. Working capital is.
2 to 5x
The size of a new AI-infrastructure PO against the supplier's historical order, while the bank line still reflects last year's balance sheet.
48 hours
The target funding window after an eligible shipment, on an order that may otherwise be declined, delayed or quoted at a length the buyer cannot accept.
The comparison is not Rhofin against your packing credit. It is Rhofin against the order you could not take.
One order, start to finish
Capacity at order. Cash at shipment. Release against payment or assigned receivables.
One product connects your production lender, the completed shipment and the buyer's release payment, without Rhofin taking manufacturing or installation risk.
01 · Bid or PO
An indicative Bid Capacity Certificate can support your offer. After the award, a committed shipment takeout is subject to the buyer's release terms, final approval, allocated capital and your production lender's acceptance.
02 · Completed and ready to ship
Completed, tested and serialized equipment ships under Rhofin-acknowledged release control. Rhofin targets the initial cash advance within 48 hours of eligibility and withholds the seller reserve.
03 · Buyer payment
The buyer inspects inside the agreed window and pays the pre-agreed release amount into the controlled account. Separately identified, undisputed units can release independently.
04 · Release and commissioning
Payment triggers the cargo release instruction. The seller reserve follows on clean settlement, and the buyer keeps its commissioning holdback and its normal performance remedies.
05 · Optional: release against compute receivables
Where the buyer is a compute operator with contracted, prepaid or aggregator-settled revenue, completed nodes may be held at an approved colocation facility under a bailee acknowledgment and released in identified units as the assigned receivables are paid into the controlled account. Maturity, release mechanics and the receivables eligible for assignment are governed by the definitive terms for that shipment.
Rhofin's cash exposure begins only after completed equipment exists, and ends when the release payment is received or, on the optional fifth step, when the assigned receivables have settled. Before shipment there may be a contingent commitment, but no Rhofin cash advance. A committed takeout is not described as bankable until a named production lender has confirmed the wording and the treatment.
Illustrative flow. Each stage remains subject to definitive documentation and to the conditions in clauses 5, 6 and 7 below.
Funding map
Rhofin complements your bank. It does not replace it.
Each provider funds the stage it is equipped to underwrite. Rhofin steps in only when the equipment is complete, verified and ready to ship.
| Stage | Funded by | How it fits |
|---|---|---|
| Buyer deposit at PO, where applicable | Your buyer | Supports production where the PO says so. It is typically consumed during manufacture and is not Rhofin's dispute cushion. |
| Raw materials and production | Your bank or PO finance partner | Your existing lines keep funding work in progress, potentially supported by the committed takeout, subject to that lender's own credit decision. |
| Completed equipment at shipment | Rhofin | Initial cash advance plus a withheld seller reserve against the assigned release-payment right, once the eligibility and control conditions are satisfied. Compute nodes at separate parameters; optional release against assigned receivables, with storage and power charges remaining the buyer's. |
| Installation and commissioning | You, and contractual retainage | Your commissioning economics stay yours. The holdback remains the buyer's post-release performance protection. |
No manufacturing risk. No installation risk. The program can reduce pre-shipment liquidity pressure, but Rhofin does not guarantee you against a failure before the equipment is completed and accepted.
Scope
Finance only what can be verified, controlled and released.
The launch scope is deliberately narrow: completed, standardized, critical-path equipment with objective release conditions and credible recovery economics.
Complete
Testing and acceptance passed. No future manufacturing milestone remains on the financed units.
Serialized
Lot-level identity, separate pricing, and an independently releasable unit or an agreed dispute mechanism.
Remarketable
Transferable warranty, credible alternative demand and an evidenced route to redeployment. The launch scope looks for standardized or sufficiently portable equipment, not a claim that every item qualifies.
Insurable
Cargo insurance is required. Buyer-credit cover remains subject to insurer approval and policy terms.
Controllable
Clean title and lien transition, with no cargo release before confirmed payment.
Buyer gate
An approved payment obligor, signed release-payment terms and payment to the controlled account. No buyer undertaking, no transaction.
Typical launch categories
- Generators and power skids
- Cooling and chiller modules
- Racks and PDUs
- UPS and distribution modules
- Standard transformers with evidenced portability
- Busway, switchgear and power distribution assemblies
- Completed compute nodes and racks (separate parameters above)
The boundary, in your favor.
Rhofin takes no manufacturing, project-completion, installation or commissioning risk. Raw materials, work in progress, speculative destination inventory, multi-year GPU or compute leasing and residual-value exposure, uncontrolled DDP delivery, shipments that fail export-control screening, and highly bespoke equipment without sufficient termination or remarketing protection are outside the launch scope. Completed compute nodes in transit are inside scope under the separate parameters above.
Value on both sides
Built for the supplier. Designed with the buyer.
For the supplier
Pursue larger orders without consuming the bank line that has to build them.
- Pursue AI-infrastructure orders beyond your existing bank capacity.
- Target funding within 48 hours of an eligible shipment.
- Keep your bank lines focused on raw materials and work in progress.
- Show an indicative capacity certificate at bid stage.
- Capacity can increase following clean performance and renewed approval.
For the buyer, EPC or compute operator
Protect supplier capacity on the critical path, and keep your commissioning holdback.
- Supplier-capacity protection on critical-path equipment.
- Verified logistics and inspection milestones, not supplier self-reporting.
- A bounded, pre-agreed inspection and objection window.
- Separately identified, undisputed units can release independently.
- Retainage stays in place, and compute operators can release nodes as assigned receivables settle.
The buyer still pays the agreed purchase price, but pays the release milestone before taking control of the equipment. That working-capital cost is the honest trade for supplier capacity, verified milestones and a controlled release process.
Questions the room will ask
The product boundary, plainly stated.
The structure works only where the supplier, the production lender, the buyer and the logistics provider agree the same shipment and release mechanics.
Does Rhofin finance production?
No. Your bank or PO finance partner keeps funding raw materials and work in progress. Rhofin funds only after the equipment is completed, independently tested, serialized and placed under acceptable release control. The funded stage is set out in clause 5.
Full terms are in the Important information below.
What does the buyer have to sign?
The buyer agrees the release-payment terms: an objective payment milestone, a fixed inspection and objection window, payment of undisputed amounts to a controlled account, and release only after confirmed payment. Agreed once, then reused per shipment. Definitive documentation governs, and clause 6 sets out what that agreement carries.
Full terms are in the Important information below.
What happens if part of a shipment is damaged or disputed?
The design uses a pre-agreed survey process and a withheld seller reserve. Separately identified, undisputed units can release against their allocated payment, and a permitted disputed amount may be escrowed where the buyer accepts delivery subject to remediation. Insurance and contractual recourse remain subject to policy and document terms, as clause 9 says.
Full terms are in the Important information below.
Does Rhofin take title to the equipment?
No. Rhofin does not take title to the equipment. The intended structure relies on release control together with an appropriate security interest and assignment of the buyer's release-payment right. Existing liens, title passage, transport documents, carrier or bailee acknowledgments and the controlled payment account must align before funding. Clause 7 states the intended control and security position.
Full terms are in the Important information below.
Why not use a letter of credit?
Where a buyer will issue an LC at bank pricing and you can obtain the confirmation capacity you need, the LC may be the better instrument. Buildout Capacity is designed for open-account buyers who will sign a contractual release-payment undertaking but will not or cannot issue an LC.
Full terms are in the Important information below.
What does it cost?
Final pricing is transaction-specific and shown before you commit. Any applicable commitment fee and third-party transaction costs are disclosed separately. Clause 8 says what those figures are and are not.
Full terms are in the Important information below.
Do you finance GPU servers?
Completed, burned-in, serialized compute nodes in transit, yes, under separate advance, tenor and remarketing parameters. Multi-year leasing and residual-value exposure, no. Clause 5 sets the funding stage; clause 9A sets the compute-specific conditions.
Full terms are in the Important information below.
What if GPU prices fall while the shipment is at sea?
Each compute transaction carries an agreed secondary-market price reference and a mark-to-market trigger. If the reference falls more than the agreed threshold before release, undisputed amounts become payable early or the seller reserve is topped up. The lower initial advance on compute nodes exists for the same reason. Clause 9A states the conditions.
Full terms are in the Important information below.
How do export controls work with financing?
Rhofin screens the consignee, end user, intermediaries and route before funding and requires the supplier's export classification and any licence on file. Rhofin does not present itself as exporter or importer of record by providing financing. A shipment that fails screening is not financed, and a designation, licence revocation, seizure or hold arising after funding does not suspend or reduce the amount owed. Clause 9B governs.
Full terms are in the Important information below.
Will you contact my buyer?
Not before you introduce us. Rhofin will not solicit or market to a buyer you name, and at enquiry stage we ask for nothing beyond the company name and location. If you decide to proceed, you make the introduction, and after that Rhofin deals with your buyer only for onboarding, documentation and the financing. The undertaking is clause 10.
Full terms are in the Important information below.
Next step
Start with one eligible PO.
Share one order and the buyer behind it. We assess the equipment, the shipment lot, the buyer release mechanics, your production-lender position and the target funding window, and reply within 48 hours. Free, confidential, and no obligation on you or your buyer.
This is a preliminary enquiry, not an application. No credit check is run on you at this stage, and none is run on your buyer until the buyer itself applies. See clause 4.
01 · Share one PO
Tell us the equipment, buyer, approximate order value and expected shipment schedule.
02 · Agree release terms with the buyer
Objective conditions, a fixed inspection window and payment at release. Agreed once, then reused per shipment.
03 · First funded shipment
Target funding within 48 hours of eligibility. Future bid capacity remains subject to clean performance and renewed approval.
Prefer to read first, or talk it through?
Download the Buildout Capacity brochure(PDF)Slots show in your local time.
The acknowledgement above refers to the Important information at the foot of this page. Each transaction is subject to eligibility, verification, approval, definitive documentation and applicable law.
The full terms
Important information
13 clauses · Buildout Capacity · Version 2026-09-05.1 · Effective 5 September 2026
01
Who we are. Rhofin Inc. is a Delaware nonbank commercial finance company. Rhofin is not a bank, does not accept deposits and does not hold customer deposits. Depending on the definitive structure, Rhofin may act as finance provider, purchaser of a payment right, servicer, administrator, collateral agent or technology provider.
02
What this page is. Buildout Capacity is an indicative business-to-business product concept for qualifying commercial transactions in the AI-infrastructure and data-center supply chain, including completed compute nodes in transit. Availability is limited and depends on committed capital, transaction eligibility, buyer and supplier review, equipment, corridor, insurance, legal structure and applicable law. Nothing on this page describes a product that any supplier is today able to draw.
03
Jurisdiction and data. Availability and product form may vary with the supplier's place of incorporation and principal place of business. Rhofin will provide any disclosures required for an eligible transaction before commitment. Cross-border suppliers remain responsible for applicable export, foreign-exchange and banking requirements in their home jurisdiction. Personal data is handled under Rhofin's privacy policy and applicable data-protection law.
04
No offer or commitment. Nothing on this page is an offer or commitment to extend financing, to purchase a payment right or to issue a capacity letter. An enquiry is a preliminary enquiry, not an application, and no credit check is run on you or on your buyer from the form on this page. A Bid Capacity Certificate would be indicative and conditional. Any Committed Takeout Letter would be issued only after the stated conditions, approvals, allocated capital and definitive documents are satisfied.
05
Funding stage. Rhofin does not fund raw materials, work in progress, production milestones, installation or commissioning under the launch product. Those stages remain with the supplier and its production lender. Cash funding begins only after completed, tested and serialized equipment satisfies the shipment, control, lien and documentation conditions, and ends when the buyer's release payment is received or, where release against assigned receivables is agreed, when those receivables have settled into the controlled account. Completed compute nodes are funded only under the compute-specific advance, tenor, remarketing and mark-to-market conditions stated in the definitive documents and summarized in clause 9A.
06
Buyer release payment. Funding depends on an approved buyer, EPC or data-center operator agreeing objective release-payment terms: a defined payment milestone, a fixed inspection and objection window, payment of undisputed amounts to a controlled account, and release of the equipment only after confirmed payment. Where the parties agree release against assigned receivables, the buyer additionally assigns identified receivables to Rhofin, gives notice to the relevant account debtors where required, waives set-off against those receivables and directs their payment into the controlled account. The legal nature, assignment, enforceability, set-off treatment and insolvency analysis of that payment right are determined in the definitive documents and in jurisdiction-specific advice, not on this page.
07
Control and security. The intended product uses transport-document or carrier/bailee-acknowledged release control, lien transition, a security interest in the financed equipment and its proceeds, insurance endorsements and a controlled payment account. Where equipment is held at an approved facility pending release, control is exercised through a bailee or warehouse acknowledgment from the facility operator, subject to the operator's and any landlord's or lender's lien position being resolved before funding. Rhofin does not present itself as owner, importer of record or exporter of record merely by providing financing. Title passage, existing liens, transport documents, carrier acknowledgments and the controlled payment account must align before funding.
08
Pricing and examples. All figures on this page are illustrative and are not quotations. Target discounts, reserves, advances, fees, timing and lot sizes are not guaranteed. Any commitment fee, verification cost, insurance, survey, legal, servicing or other third-party charge is disclosed in the transaction documents before commitment. Final terms are quoted transaction by transaction and depend on the buyer, equipment, corridor, structure, insurance and capital approval.
09
Disputes, recourse and insurance. A seller reserve may be withheld as deferred purchase price for permitted operational disputes. Separately identified, undisputed units may release against their allocated payment where the documents so provide. Cargo and trade-credit insurance remain subject to insurer approval, limits, deductibles, exclusions, claim validity and waiting periods. Seller recourse, buyer-credit risk and eligibility breaches are governed only by the definitive documents.
9A
Compute-specific conditions. Completed compute nodes are financed at a lower initial advance, with a named remarketing agent, an agreed secondary-market price reference, a disposition target and a mark-to-market trigger. If the price reference falls beyond the agreed threshold before release, undisputed amounts become payable on the accelerated date or the seller reserve is increased, as the documents provide. Multi-year leasing, residual-value guarantees and speculative destination inventory are not offered.
9B
Export controls and sanctions. Funding is conditional on export-control classification and end-user screening of the consignee, end user, intermediaries and route. The supplier remains exporter of record and responsible for licensing; the buyer remains importer of record. Rhofin does not fund shipments that fail screening. A designation, licence revocation, seizure or hold arising after funding does not suspend or reduce the amount owed.
10
Buyer confidentiality. Rhofin will not contact a named buyer, EPC or data-center operator before you introduce us, and will not solicit or market to that buyer independently; once you make the introduction, Rhofin deals with the buyer directly only for onboarding, documentation and the financing. Enquiries are held under a mutual confidentiality undertaking and used only to assess and document transactions under this program.
11
No advice; law. Nothing on this page is legal, tax, accounting, customs, export-control, regulatory, insurance or financial advice. Parties should obtain their own advice. Definitive transaction documents govern and nothing on this page varies them.