See what one shipment does to your cash.
Model the journey from supplier deposit to customer payment, compare all three repayment paths, and keep detailed controls out of the way until you need them.
Rhofin records planner inputs and results to understand demand and improve this tool. If you are signed in, we link them to your account. We retain that link for three years.Learn how we use planner data.
Tell us about your shipment
Start with the figures you already know.
Goods and classification
Use one row for each HTS code or country of origin.
Supplier payment & timing
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Supplier invoiceWhat your overseas supplier bills you for the goods. The deposit and the supplier balance are both parts of it.?
DepositThe part of the supplier invoice you pay when you place the order, under your normal supplier terms; often around 30%. It is your cash on every path and Rhofin never finances it.?
Eligible ocean freightOcean freight Rhofin agrees to pay at cost when the goods ship. It is advanced at no financing charge and repaid at face value. Which freight is eligible is set per shipment.?
Order-to-cash cycleDays from paying your deposit to receiving your customer's cash for the same goods. The website illustrates 180 days: order day 0, ship day 30, arrive day 75, cash day 180.?
MaturityThe day Rhofin financing falls due: arrival of the cargo at the destination container freight station, or availability for collection for a full container load, or the earlier day the goods are sold or released to you. Approved warehouse sell-down terms replace this for that shipment.Illustrative planning, not an offer.
The figures are modelled from your inputs and are not a quotation, offer, or commitment to extend financing. Your amount financed, annual percentage rate, total financing cost, and repayment date are disclosed before you commit.
Duty and government fees are estimates, not determinations. Classification, valuation, and origin remain for you and your customs broker. Duties, taxes, demurrage, detention, and storage are not financed.
Rhofin Inc. is a nonbank commercial finance company. Financing is for business entities only and is subject to eligibility, verification, credit approval, applicable law, and definitive documentation. Your factor or asset-based lender is never obliged to issue a Takeout Confirmation.
Model sources and version
Planner v8 · daily model · HTS descriptions and general rates from the USITC Harmonized Tariff Schedule; seaport identities from UN/LOCODE (UNECE, CC BY 4.0). Tariff information last checked 3 September 2026.