Offer cargo finance without your balance sheet.
Rhofin enables eligible importers to finance supplier balances once shipment milestones and cargo custody are verified through your logistics network. You provide shipment data and controlled release workflows; Rhofin handles financing, screening and credit risk. Built for 3PLs, NVOCCs, freight forwarders, consolidators and logistics platforms, with no credit risk on the financings and minimal engineering.
Your Role
A commercial lever, not a lending desk.
Your physical network is the unlock: you already carry the cargo and hold it at destination. Rhofin handles the financing, the screening and the credit risk. Your role is custody and controlled release, layered onto operations you already run.
Control custody and release.
You receive, hold and release financed cargo under agreed procedures, exactly as your warehouse already works. You are not a lender and bear no credit risk on the financings.
Make relationships stickier.
Customers who can access financing through your network have a reason to keep routing volume through it, and a reason not to switch to a competitor who can't offer it.
Funded customers ship more.
Customers with working capital buy more and ship more often. Higher volume per customer, over a longer relationship.
A sharper customer pitch.
Embedded financing helps you win customers you wouldn't otherwise win, without putting your own balance sheet at risk.
Integration
Four steps. One API.
Designed to be live in days, not months, and available to pilot logistics providers now. We connect to your existing data layer. No migration, no new stack.
Data connection
Rhofin connects to your TMS or logistics platform via REST API, or starts with simple manual notification in the pilot. We ingest live shipment data under a data processing agreement.
Customer onboarding
Your customers complete a streamlined KYB flow, embedded in your platform or via Rhofin's hosted link. Takes under 10 minutes.
Financing decisions
Rhofin's platform is designed to assess each shipment in real time. You surface the decision to your customer however fits your UX.
Custody & release
For inventory finance, you carry and hold the financed cargo as you already do, and release it against Rhofin's instruction. Referral fees may be available under your provider agreement, subject to applicable law. No capital on your balance sheet.
Anchor Relationship
Allcargo anchors the US launch.
Allcargo Global, one of the world's largest logistics operators, is Rhofin's anchor logistics provider for the US market, under a strategic relationship formalised in Q2 2026. Rhofin operates on a strictly non-exclusive basis, with an open API architecture designed for any 3PL to integrate and no sharing of provider-specific shipment or customer data between logistics providers.
7,500+
Freight Forwarders
160+
Countries
Your network. Our capital. Their liquidity.
The model is simple: logistics data flows in, financing decisions flow out, and working capital flows to your customers, all through infrastructure that already exists. If your customers are asking how to fund the goods they're shipping, Rhofin is the answer you can offer without building it yourself.
Join as a logistics providerWhat You Get
Everything to offer cargo finance.
Referral fees available.
Referral fees may be available for financings originating through your platform, subject to applicable law, at no capital cost to you.
Keep customers on-platform.
When capital is embedded in your platform, customers don't go elsewhere. The cargo and the capital in one place.
One API. Minimal engineering.
One connection unlocks financing for every shipment on your network. The pilot can start manually, with no integration at all.
Financing compliance handled.
Rhofin manages core financing compliance workflows such as KYB, AML screening and TBML monitoring; provider responsibilities are defined in the provider agreement.
White-label options.
For enterprise logistics providers, Rhofin's financing interface can be embedded under your brand. Customers see your experience, powered by Rhofin.