Inventory Finance · How it works
Complete an initial review, then submit individual shipments for approval. You pay any upfront amount required under your supplier terms. Once your logistics provider controls the cargo and the B/L is issued, your supplier balance is paid directly and the freight is advanced. You repay before release.
How it works
Initial information can be submitted in a few minutes. Each shipment remains subject to jurisdictional availability, eligibility, approval and documentation.
You pay your usual deposit. Once your logistics provider takes control of the cargo and the bill of lading is issued, your supplier receives the balance directly and eligible freight is advanced. Financing charges apply to the supplier-balance advance; an eligible freight advance is repaid at face value. If the cargo doesn't ship, nothing is paid.
Repay the agreed amount in cash, or assign an eligible receivable from a previously delivered batch. The assigned receivable must come from an earlier delivered batch, not the cargo awaiting release. Once the amount due is settled, release instructions are issued and the cargo keeps moving.
Capabilities are subject to eligibility, credit approval and review.
Your Bank Relationship
Rhofin is designed for the period before cargo release, while the financed goods are still under logistics-provider control. The financing is tied to specific eligible cargo and is reviewed against your existing facility structure during onboarding. Your bank line is designed to sit alongside it.
Reviewed at onboarding
Rhofin reviews your existing facility structure during onboarding and can provide shipment-level documentation where required.
Specific cargo
Our security is the specific cargo we fund, not a blanket lien on your business. Your other inventory, receivables and assets stay where they are, with your bank. The financing is full recourse.
Short
Financing runs for the length of the voyage and ends when you take the goods. Nothing revolving, nothing lingering on your books.
Common Questions
Typically not. During the financing window the goods are with your logistics provider, not in your warehouse. Rhofin is limited, short-term and shipment-specific; we review your existing facility structure during onboarding and can provide shipment-level documentation where required. Your lender is notified about the specific goods financed. Final treatment depends on your facility documents.
No. You choose shipment by shipment. Finance the ones that need funding, pay the rest from cash.
Your shipping history with your logistics provider, the trade lane, and the cargo itself. We confirm eligibility during onboarding, before you commit to anything.
You are, and you do. Rhofin is a financing platform, not a trader. Customs, duties and title to your goods stay with you.
Yes, across successive batches. Inventory finance covers eligible supplier balances and freight before cargo release. Once an earlier batch has been delivered, an eligible receivable can be financed and used to settle or support a later shipment. Together, the two products extend liquidity from booking through customer payment. Rhofin does not continuously finance the same goods between release and proof of delivery.
Yes, subject to eligibility. An eligible receivable from a previously delivered batch may be assigned to settle the amount due on a current shipment. If the receivable is not eligible, the current shipment must be settled in cash.
Not currently through inventory finance. That period can involve different credit risk because the cargo is no longer under pre-release logistics control.
No. Supplier payment terms vary. Rhofin finances your supplier balance based on the shipment, supplier terms, logistics verification and credit approval.
Repayment is due on the maturity date, when your cargo arrives at the destination and is available for collection. The first 5 days carry no penalty; normal interest simply continues. After that, a default margin applies. If a customs inspection holds the cargo, up to 7 days are cost-free and don't count toward those 5 days. If a balance stays unpaid, Rhofin can sell the financed cargo to recover what's owed, and as a matter of policy will do so no later than 90 days after maturity. You remain responsible for any shortfall.
Those charges are yours, the same as they would be without financing. Once you repay, Rhofin issues release instructions within one business day. Where charges are due to the logistics provider before the cargo can move, they are settled or secured first, and any amount covered by Rhofin to obtain release is added to what you owe and reimbursed on demand.
Duties, taxes and other government charges are always yours; Rhofin finances the supplier balance and freight, never duties. If a customs examination delays release, up to 7 days are cost-free and no default margin applies while the hold continues. A detention, seizure or withhold-release order is treated separately: it does not pause your obligation to repay, and the cargo remains security for what you owe.
The cargo is the main security. Rhofin holds the bill of lading and a purchase-money security interest in the specific goods it funds, not a blanket lien on your business, so your other inventory, receivables and assets stay with your bank. The financing is also full recourse: if selling the cargo does not cover what's owed, you remain liable for the shortfall. Any additional credit support is set per facility and confirmed in your documents.
Rhofin is available for qualifying US importers to trial on eligible shipments. Availability varies by jurisdiction and every transaction remains subject to eligibility, verification, credit approval, documentation and applicable law.
Financing is subject to eligibility, credit approval and applicable regulatory requirements. Rhofin is not a bank.