See what one shipment does to your cash.

Estimate your cash needs and financing cost, then compare repayment options.

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 estimates. Refine the details later.

Choose a customer example

Both examples use a 30% illustrative gross margin. Customer payment terms are 90 days for one sale and 30 days for gradual sales. Replace the sales forecast and provisional operating costs with your own figures.

Wholesale: deliver at arrival and repay before release. Storage: steady sales over 75 days, conditional on an approved warehouse arrangement and additional agreements.

You don't need an HTS code to explore your financing.

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.

Assumed due 30 days after shipment under your forwarder's terms. Change in Advanced.

Order to shipment

Order-to-cash cycleDays from paying your deposit to receiving your customer's cash for the same goods. The planner example ends at day 225: order day 0, ship day 30, arrive day 75, release on days 105, 135, 165 and 195, then collect each invoice 30 days later.

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

Estimated duties and customs fees (optional)

Estimated duties and customs feesThe government charges on the entry: import duties, additional tariffs, taxes and entry fees such as MPF and HMF. Enter an all-in total if you know it, or let the planner estimate it from the goods and origin (duty at the general rate plus the additional-tariff estimate, with MPF and HMF on top). A blank field leaves customs unknown and the result partial. Your customs broker confirms classification, value and the tariff stack; none of it is financed on any path.

Include import duties, additional tariffs, taxes and government entry fees. Exclude freight, broker service fees, drayage and storage entered elsewhere.Estimated from goods and origin

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. This illustration does not model minimum interest periods or transaction-specific effective-rate ceilings.

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 v7.1 · 2026-09-06 · 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 6 September 2026.

Example tariff: June 2026 Section 232 Annex I-B. Entry fees: FY2027 CBP fee notice. Rates are planning assumptions; your broker confirms treatment at entry.