For factoring companies

We fund goods in transit.
You keep the factoring.

Help your import clients ship more and generate more invoices for you to factor. Rhofin funds the supplier balance and freight; you finance the delivered invoice on your terms.

Discuss a pilotWatch how it works · 2:44

A small pilot for US factoring companies.

More invoices from clients you already know.

Grow your factoring book

Help clients fulfill more orders, creating more invoices and factoring income for you.

Keep your client relationships

Support the importers you already know while keeping their factoring business.

Fund delivered invoices

Rhofin funds the shipment. You advance against the eligible invoice after delivery.

Our agreement with ECU Worldwide covers collateral control for eligible US FCL and LCL cargo. About the agreement.

From shipment to factored invoice.

  1. You approve the shipment

    Agree the client, buyer and limit, and commit to factor the compliant delivered invoice.

  2. Rhofin funds the goods

    We fund the supplier balance and freight and coordinate controlled delivery to the buyer.

  3. You finance the delivered invoice

    Your invoice advance repays Rhofin in full, with the remaining available funds going to your client.

Funding passes from Rhofin to your factoring at the delivered invoice.

Rhofin funds the shipment

Supplier balance + freight

Delivered invoice

You fund the invoice

Your advance, reserve and fees

Watch how it works.

From supplier funding to your client's next factored invoice.

2 min 44 sec

Watch on YouTube

More shipments. More invoices.

Illustrative shipments in 12 months

Without Rhofin3
With Rhofin10
With the same $110,500 of importer cash and collections reinvested. Illustrative, not a forecast; requires enough orders and approval of every shipment.
See example assumptions

Repeated $100,000 goods orders sold for $130,000 over 12 months, with $110,500 of importer cash in both cases and collections reinvested.

Timing: 45 days in transit, 10 days to delivery and advance, then 45-day buyer terms. Factoring terms: an 85% advance, a 1.5% invoice fee and 12% annual interest.

The importer pays a $30,000 deposit and $5,500 duties. Rhofin funds $70,000 of goods and $5,000 freight. The $108,550 available invoice advance repays Rhofin $77,310, including $2,310 in financing cost, and pays $31,240 to the importer.

All terms and figures are illustrative. Actual results depend on demand, timing, reinvestment and approval of every shipment within agreed program limits.

A fit for established importers.

Clients you know, buyers you approve, and goods that can go directly to the buyer or its nominated carrier.

Clients needing their own warehouse for repacking, labeling or assembly must repay Rhofin before release.

Controlled delivery

Bonded custody until you reconfirm eligibility, then delivery to the buyer or its nominated carrier.

Approved buyers

You agree the buyer and limit for each shipment before Rhofin funds.

Your factoring terms

Your advance rate, reserve, fees and interest stay yours to set.

What factors ask first.

Do our factoring terms change?
You keep your normal underwriting, buyer limits, advance rate, reserve, fees and recourse to your client. You advance against a compliant delivered invoice with signed proof of delivery or the agreed buyer-collection receipt, as today. Before release, you reconfirm eligibility. If the client is in default under your agreement or the buyer is over your agreed limit, the goods stay with Rhofin.
Is our client relationship protected?
Yes. Your factoring relationship stays protected. Rhofin may separately finance specific receivables you decline.
How does this fit our existing facility?
There is no inventory overadvance or reservation against your client's credit line during transit. Shipment approvals and agreed program limits still apply. Confirm that your facility permits the arrangements and obtain lender consent where required.
Who funds the pilot?
Rhofin funds the pilot directly. Funding and documentation must be confirmed before the first shipment.

Grow your factoring book with the clients you already know.

Let's identify two or three importer clients who could benefit from shipment financing.

Discuss a pilot

Prefer to send a message?

Tell us a little about your business and we'll get in touch.

An enquiry only, with no financing commitment or credit check. Read the important information about the factoring pilot, Terms of service, and our privacy policy.

Important information about the factoring pilot.

Seven points. Open to read them in full.

  • The Important information linked in the footer describes Rhofin's direct importer financing, including its pricing, arrival maturity and release on payoff. This factoring pilot has the separate mechanics described here and is governed by its definitive program documents.
  • Rhofin lends directly during the pilot, with a dedicated financing entity envisaged afterward. The legal lender is identified in the definitive documents. Before the first shipment, the intercreditor agreement, client loan agreements and payment directions must be signed, the invoice code and logistics controls agreed, any required lender consent obtained, and pilot funding confirmed in writing. This page does not confirm that funding is available.
  • Before Rhofin funds, the factor approves each shipment's client, buyer, limit and expected invoice and undertakes to factor the compliant delivered invoice. After funding, refusal is limited to client default under the factoring agreement or the buyer exceeding the agreed limit. A compliant delivered invoice and the required signed delivery evidence remain conditions of the advance.
  • Goods remain in approved bonded custody until the factor reconfirms eligibility and the agreed delivery controls are satisfied. They go directly to the buyer or its nominated carrier. Payment follows delivery and invoicing, supported by signed proof of delivery or the agreed buyer-collection receipt. An importer needing release to its own warehouse for repacking, labeling or assembly must first repay Rhofin.
  • Under the importer's payment direction, the available factoring advance repays Rhofin in full first; the remainder goes to the importer. There is no inventory overadvance or reservation against the client's credit line during transit. Shipment approvals, agreed program limits and lender consent where required still apply.
  • The factor earns ordinary factoring fees and interest on its own agreed terms. Pilot pricing is separately agreed; direct importer pricing does not govern the pilot. Shipment amounts, the 85% advance, fees, financing costs, timing and the three-to-ten shipment comparison are illustrations, not quotations or forecasts. Additional volume depends on demand, timing, reinvestment and approval of every shipment.
  • Client protection and the intercreditor, loan and payment-direction arrangements are set out in signed program documents. Rhofin may finance specific receivables the factor declines; that exception does not release the wider client relationship from protection. Stopping the pilot does not cancel undertakings for shipments already funded.

Pilot funding and documentation must be confirmed before launch. Nothing on this page is legal, tax, accounting or financial advice, or an offer or commitment to extend financing, purchase receivables or fund any shipment. Financing is subject to approval, the agreed launch conditions and definitive documentation. Detailed terms follow the program documents.

Important information

13 clauses. Version 2026-09-01.1, effective 1 September 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. 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. Where Rhofin approves a warehouse sell-down period for an enrolled importer at an approved facility, maturity and release mechanics for that shipment are instead governed by the definitive warehouse financing terms, and the goods remain held at the approved facility and are released only against Rhofin's authorization. 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 charges are not financed and remain your responsibility, as they would be without financing. Where Rhofin approves a warehouse sell-down period, Rhofin may continue financing the goods while they remain at the approved facility, as described in clause 7; the storage charges themselves remain your responsibility. 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. Settling at arrival. An inventory-finance transaction is settled in cash on the maturity date. You may fund that payment from your own cash or from availability under your factoring or asset-based facility, at your request and with your lender's approval. A payoff made by your factor or asset-based lender directly to Rhofin before release requires an agreement between Rhofin and that lender and remains that lender's decision. Once the amount due is settled, Rhofin issues its release instruction and the cargo is released. Rhofin does not finance the same goods after they are released to you.
  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 2026-09-01.1, effective 1 September 2026.

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