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.

Start with a shipmentIllustrative, not a quotation. No credit check at this stage.

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.

StandardAdvanced

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.

1 product

1Stainless steel mixing bowlsAdd classification and origin

Goods and duty

HTS codeHarmonized Tariff Schedule of the United States: the classification that sets the duty rate for your goods. The lookup searches the published schedule and fills the column-1 general rate; your customs broker determines the classification that governs.

Country of origin

Supplier payment & timing

Supplier invoice

Supplier invoiceWhat your overseas supplier bills you for the goods. The deposit and the supplier balance are both parts of it.

Deposit at order

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.

Ocean freight

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 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.

days

Days at sea

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.

days

Plan starts today. Change the date in Advanced.

Before you continue

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.