Supplier payments 路 Selling to US importers

Get paid when the goods ship.

Your buyer pays the agreed deposit. For an approved transaction, Rhofin pays the remaining supplier balance when the goods ship. Your US buyer repays Rhofin later.

You make the introduction. We won't contact a nominated buyer unless you introduce us or ask us to.

Check buyer fit

No buyer contact required.

Use your company email. We'll send the result only to this address.

We use public business and trade information for the initial review. No buyer is contacted and this is not a credit check or financing approval.

How it works

Your sale stays your sale.

Rhofin sits between shipment and your buyer's later repayment. You keep the commercial relationship with your customer; Rhofin provides the approved financing to the US importer.

Order 路 Your buyer

Pays the deposit

Under the agreed supplier terms.

Shipment 路 You

Ship approved goods

Under the agreed shipping and document process.

Shipment 路 Rhofin

Pays the approved balance

Directly against the approved transaction. Your buyer repays Rhofin separately.

Why suppliers use Rhofin

Give your buyer time without becoming the lender.

01

Get the balance sooner

For an approved shipment, the supplier balance can be paid when the goods leave rather than after the buyer's transit and cash cycle.

02

Keep your customer relationship

The US importer remains your buyer. Rhofin finances the importer rather than replacing the underlying sale.

03

Offer flexibility without extending more credit

Your buyer can preserve cash for longer without asking you to carry the supplier balance through ocean transit.

Country guidance

How payment works where you export from.

The commercial proposition is the same. Local bank, remittance and export-document requirements differ by country.

IndiaThird-party payment, AD-bank and export-document considerations.India guidanceVietnamLocal payment and export-document process for approved shipments.Vietnam guidanceChinaLocal payment, banking and shipment-document considerations.China guidanceIndonesiaLocal payment and export-document process for approved shipments.Indonesia guidance

Exporting from somewhere else? Ask us about your country.

Common questions

What suppliers usually want to know.

The essentials before introducing a US customer or preparing an approved shipment.

Who is receiving the financing?

The US importer is the customer receiving Rhofin's financing. You remain the supplier under the underlying sale. Rhofin's role is to make the approved payment associated with the buyer's shipment financing.

Does Rhofin buy my receivable?

Not under the standard supplier-payment structure described here. The underlying sale remains between you and your US customer. Rhofin finances the importer and makes the approved supplier payment under the transaction documents.

When does Rhofin pay me?

For an approved transaction, payment is tied to the agreed shipment and documentary conditions. The precise trigger, amount and beneficiary details are confirmed before the shipment is funded.

Do I need to change my commercial terms with the buyer?

Not necessarily. The structure is designed to sit behind the agreed supplier deposit and balance-payment terms. Any changes needed to invoice wording, payment instructions or shipment documents are identified before the transaction proceeds.

What will Rhofin need from me?

Typically the supplier invoice or purchase order, beneficiary and bank details, shipment information and the commercial or transport documents required for the approved transaction. Country-specific requirements are addressed before funding.

What happens if my buyer does not repay Rhofin?

Your buyer's repayment obligation to Rhofin is separate from the approved payment Rhofin has made to you, subject to the definitive transaction documents and any fraud, invalid-document or payment-return provisions that apply. Rhofin's security and repayment arrangements are principally with the US importer and financed shipment.

Can I introduce more than one US customer?

Yes. Each buyer and shipment is assessed separately. If you have multiple US customers that would benefit from paying later while you are paid at shipment, you can introduce them individually.

Will my bank accept payment from Rhofin?

This depends on the exporter country, your bank and the transaction documentation. Rhofin structures the payment as an identified third-party payment on behalf of the approved US buyer and coordinates the documentation required for the relevant country. See the country guidance above for the applicable process.

Start with a buyer

Have a US customer that wants more time to pay?

Nominate the buyer first. If it appears potentially suitable, we send you the next step and a simple way to introduce Rhofin.

Nominate a US buyer.

Tell us who you supply and where you export from.

Nominate a US buyerBook a 30-minute call with Rhofin

All financing is subject to importer eligibility, verification, credit approval, approved suppliers and lanes, applicable law and definitive documentation. Payment timing and local bank requirements vary by transaction and exporter country. Nothing on this page is an offer or commitment to extend financing or make payment. Rhofin finances qualifying US business importers; suppliers are not borrowers under the standard structure described on this page.

Important information

13 clauses. Version 2026-09-01.1, effective 1 September 2026.

  1. 1. Who we are. Rhofin Inc. is a nonbank commercial finance company, not a bank. Rhofin does not accept deposits or hold customer funds.
  2. 2. Business use only. All financing described is commercial financing extended to business entities for business purposes. It is not available for personal, family or household purposes, and is not available to sole proprietorships, general partnerships or individuals.
  3. 3. Nothing here is an offer. Nothing on this website is an offer or commitment to extend financing. Submitting the form is a preliminary enquiry, not an application, and no credit check is run at that stage. Any transaction is subject to eligibility, verification, credit approval, required disclosures, definitive documentation and applicable law. Those documents govern. Nothing on this website varies them.
  4. 4. Who provides the financing. During Rhofin's current limited-release phase, inventory financing may be provided directly by Rhofin, Inc. from its own balance sheet. Rhofin, Inc. is a nonbank commercial finance company and is not a bank. Rhofin does not accept deposits. The legal lender applicable to each transaction is identified in the definitive financing documents. Rhofin, Inc. may also provide the technology platform and act as servicer, administrator, agent or collateral agent, as specified in those documents. Financing is offered only where permitted by applicable law. Rhofin finances US incorporated businesses only. Availability varies by state. Financing requires the shipment to move through a participating logistics provider.
  5. 5. Figures are examples. Figures shown are illustrative examples, not quotations. Your amount financed, annual percentage rate, total cost and repayment date are set at approval and disclosed to you in full before you commit.
  6. 6. Pricing. Financing is priced per transaction. Rates start at 1.45% per 30 days on the supplier balance advance, and your rate depends on your credit profile, the shipment, the route, the supplier and the jurisdiction. Your amount financed, annual percentage rate, total financing cost and repayment date are set at approval and disclosed to you in full before you commit. There are no origination, arrangement, documentation, wire, platform or monthly fees. Eligible ocean freight is advanced at no financing charge and repaid at face value. A default margin applies to amounts unpaid from the sixth day after the maturity date, at the rate stated in your documents before you sign. Pricing may vary by state where required by applicable law.
  7. 7. What the financing is. Rhofin extends a secured commercial loan against a specific shipment. Rhofin holds the bill of lading and takes a purchase money security interest in the specific financed goods and their identifiable proceeds, as described in the definitive transaction documents and applicable UCC filings. Rhofin holds a negotiable to-order bill of lading with telex and express release disabled. The cargo is released only against Rhofin's release instruction, under a procedure agreed in advance with the responsible logistics provider. The financing is full recourse, so if realising the cargo does not cover the amount owed you remain liable for the shortfall. If an amount stays unpaid Rhofin may sell the financed cargo, and has committed to use commercially reasonable efforts to complete a disposition within 90 days after maturity, subject to the exceptions in your documents, including legal process, customs or regulatory holds, casualty, general average, salvage, the absence of a commercially reasonable market, and your own acts or omissions. Repayment falls due on arrival of the cargo at the destination CFS, or on availability for collection where the shipment moves as a full container load, or on the earlier date on which the goods are sold or released to you. Where Rhofin approves a warehouse sell-down period for an enrolled importer at an approved facility, maturity and release mechanics for that shipment are instead governed by the definitive warehouse financing terms, and the goods remain held at the approved facility and are released only against Rhofin's authorization. If you sell the goods you must prepay from the proceeds. Where cargo is released to you before payment, you hold the goods and their sale proceeds in trust for Rhofin, must keep the proceeds identifiable, and may be required to route them through an account Rhofin designates. Where your documents do not require cargo insurance, you bear the risk of loss, damage or destruction from any cause, and no such event reduces or suspends what you owe. Any additional credit support is set per facility and stated in your documents before signing.
  8. 8. What is not financed. Duties, taxes and other government charges, demurrage, detention and storage charges are not financed and remain your responsibility, as they would be without financing. Where Rhofin approves a warehouse sell-down period, Rhofin may continue financing the goods while they remain at the approved facility, as described in clause 7; the storage charges themselves remain your responsibility. Where Rhofin pays a logistics charge to obtain release of your cargo, that amount is added to what you owe and bears interest at the rate applicable to advances. A customs detention, seizure or withhold release order does not suspend your obligation to repay.
  9. 9. Out of scope. Commodities, seasonal goods and fungible bulk, goods not identifiable by container and lot marks, perishables, hazmat, pharma, alcohol, tobacco, weapons, sanctioned or high UFLPA risk supply chains, overland cargo from Canada or Mexico, businesses in serious financial distress, and importers shipping fewer than about four times a year. Approved lanes and approved suppliers only.
  10. 10. Settling at arrival. An inventory-finance transaction is settled in cash on the maturity date. You may fund that payment from your own cash or from availability under your factoring or asset-based facility, at your request and with your lender's approval. A payoff made by your factor or asset-based lender directly to Rhofin before release requires an agreement between Rhofin and that lender and remains that lender's decision. Once the amount due is settled, Rhofin issues its release instruction and the cargo is released. Rhofin does not finance the same goods after they are released to you.
  11. 11. Your existing lenders. Rhofin is designed to sit alongside an existing bank facility. Where another lender holds a security interest in your inventory, funding is conditional on a lien search showing no competing interest, or on a subordination, release or estoppel acceptable to Rhofin. You must identify that lender so Rhofin can send the UCC notice the law requires before you take possession of the goods. Most bank facilities also restrict additional indebtedness and additional liens. Whether Rhofin financing is permitted under your own facility documents is for you and your lender to confirm.
  12. 12. Law and forum. Your transaction documents are governed by New York law. The state and federal courts in Manhattan have jurisdiction. You and Rhofin waive trial by jury. Payments are made in full without set-off or counterclaim.
  13. 13. No advice. Nothing on this website is legal, tax, accounting or financial advice.

End of Important information, version 2026-09-01.1, effective 1 September 2026.

Reading progress: 0%.