Partner programme · US import freight forwarders

Keep your clients shipping.
Get your freight paid the next business day.

Rhofin finances your client's eligible supplier balance and approved freight. You remain the forwarder and customer of record. Your client stays yours.

Become a partnerSee how it works
T+1 paidEligible freight is paid the next business day after Rhofin funds the shipment, once the importer is set up on the Rhofin platform.
Paid on funded volumeCompensation applies to each eligible shipment Rhofin funds, under an executed partner agreement. Rhofin pays it out of its own margin, never charged to your client.
No credit guaranteeYou do not fund, repay or guarantee the financing.

What Rhofin does

Supplier paid at shipment. Freight paid the next business day. Repaid before release.

Three moments per shipment. The financing runs inside the logistics workflow you already manage.

01

Cargo confirmed, B/L issued

Once the cargo is received and the required bill of lading is issued, Rhofin pays the eligible supplier balance directly to your client's supplier.

02

Your freight is settled

Rhofin pays the designated NVOCC and the eligible balance of your freight and logistics charges, the next business day after it funds the shipment, once the importer is set up on the Rhofin platform.

03

Client repays before release

After your client repays, Rhofin issues the release instruction and code within one business day, under the release procedure agreed with you before the first transaction. Your registered destination agent collects and completes delivery.

Why partner with Rhofin

Three reasons this is worth your time.

1

Get paid the next business day

Your designated-NVOCC obligation and eligible freight and logistics charges are settled the next business day after Rhofin funds, once the importer is set up on the Rhofin platform. Less working capital is tied up and less freight remains to collect.

2

Protect your client relationship

You stay the forwarder and customer of record. Rhofin cannot use your introduction to solicit the client's forwarding, NVOCC, brokerage or logistics business.

3

Earn on funded volume

Compensation applies to each eligible shipment Rhofin funds, under an executed partner agreement signed before your first introduction. Rhofin pays it out of its own margin, so it is never charged to your client, and the eligibility, attribution and payment terms are set out in that agreement.

How the partnership works

Three steps. One operational workflow.

01

You introduce and book

Start with the importer's prior written consent to share its information with Rhofin. Do not send client information without it. Then send us the importer and submit a short client disclosure. For each financed shipment, you complete a short confirmation and follow the agreed booking, identity and destination-agent controls. You remain the forwarder and customer of record.

02

Rhofin approves and funds

We handle qualification, KYB, underwriting and financing documents. Rhofin pays the supplier balance direct on funding. The designated NVOCC and your eligible freight balance are paid the next business day, once the importer is set up on the Rhofin platform.

03

Repayment and release

Your client repays before release. Rhofin issues the release instruction and code; your registered destination agent collects and completes delivery.

The 60-second fit check

Which of your import clients should you send us?

You hold the booking and invoice data, so you can screen better than anyone. When in doubt, refer. Qualification is on us.

Send us clients who...

  • Are a US company importing ocean freight from Asia.
  • Pay a deposit now and the balance against shipping documents (FOB / FCA).
  • Move non-perishable, resalable goods with stable wholesale value.
  • Ship roughly four or more times a year.
  • Have shipment values around $25,000 and up.
  • Can route financed shipments through an approved designated NVOCC.

Skip the client who...

  • Buys DDP or CIF, so the supplier controls the freight.
  • Is on full open account with no early-payment discount.
  • Needs receivables finance, not goods-in-transit finance.
  • Imports perishables, hazmat, pharma or serialised electronics.
  • Moves fast fashion, alcohol, tobacco or weapons.
  • Has a sanctioned or high-UFLPA-risk supply chain.
  • Moves overland cargo from Canada or Mexico.
  • Is a consumer, sole proprietor, general partnership or in serious financial distress.

What your client gets

The offer you are putting in front of them.

Written as the importer reads it. Every figure below matches what Rhofin publishes to importers, word for word.

70% of your invoice, paid to your supplierOn 30/70 terms, at shipment
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.
Eligible ocean freight is advanced at no financing charge and repaid at face value.On the same financed shipment
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.How the security is taken is set out in Important information clause 7
Start with one shipment$25,000 to $50,000 to begin
Repaid when the cargo landsAt the destination CFS

A default margin applies to amounts unpaid from the sixth day after maturity.

Introduce a client. Add financing to your forwarding offer.

Qualification and underwriting are on us.

Become a partner

Common questions

What freight forwarders usually ask first.

Become a partner

Add financing to your forwarding offer.

Tell us how you work. Where you issue the house bill or the destination delivery order, you can act as a control partner. Where another NVOCC controls release, you introduce the importer and Rhofin agrees the release procedures directly with that provider. Qualification and underwriting are on us.

Key terms

Rhofin lends to the importer, secured on one shipment. You are the introducer or the cargo partner, never the lender. These terms apply every time.

You are not the lender.
Partners do not fund, guarantee repayment or take credit risk on the financing, and do not act as the importer's adviser. Clause 14
Get consent before you send anything.
An introduction needs the importer's prior written consent to disclose its information to Rhofin. Do not send client information without it. Clause 14
Rhofin pays you, not the importer.
Any referral fee and any cargo control fee comes out of Rhofin's own margin, under an executed partner agreement and only on eligible financed shipments. Both are disclosed to the importer. Clause 14
What the importer pays.
Rates from 1.45% per 30 days on the supplier balance advance, priced per transaction. The importer's own APR and total cost are shown to them before they 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
What the importer gets.
A secured commercial loan against one shipment, full recourse, repaid on arrival of the cargo at the destination CFS. The cargo is released only against Rhofin's release instruction. Clause 7
Out of scope.
Perishables, hazmat, pharma, alcohol, tobacco, weapons, sanctioned or high UFLPA risk supply chains, overland cargo from Canada or Mexico. Clause 9
Figures on this site are examples.
An importer's amount financed, APR, total cost and repayment date are quoted to them in full before they 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

14 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.
  14. 14. Partners and introductions. Partners are not lenders, do not guarantee repayment, take no credit risk on the financing and do not act as the importer's adviser. Introductions require the importer's prior written consent to the disclosure of its information to Rhofin, and partners must not send client information without it. Rhofin pays any referral fee and any cargo control fee from its own margin under an executed partner agreement and only on eligible financed shipments. Neither is charged to the importer and both are disclosed to the importer.

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

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