Two data streams.
One lending decision.

Rhofin fuses live shipment data with ERP financial signals — giving lenders a verified, real-time picture of every cargo in transit.

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How It Works

Three steps to get your
invoice financed.

Submit
Submit your invoice
Upload your shipment invoice and details through Rhofin or your partner's logistics platform.
Verify
Real-time verification
Our platform cross-references your invoice against live shipment data — BOL status, port events, carrier confirmation. No manual review.
Get Paid
Funds to your account
Financing disbursed same day. Rhofin manages collection when your buyer pays — you keep moving.
Your shipment data does the talking. No forms to fill, no underwriter to convince — Rhofin reads what's already moving and makes a decision.
What You Get

No new software. No bank meetings.
No waiting.

Speed Decisions in minutes, not days
From ship to funded
Real-time shipment data means real-time decisions. No paper chase, no relationship banking required.
Simplicity Zero process changes required
No new paperwork
We read your existing logistics data. You don't change a single process — we work with what's already moving.
Compliance US · Europe · UK · Middle East
Global reach, local compliance
Finance FCL and LCL shipments across US, European and UK trade corridors — with KYB, AML and TBML compliance built in at every step.
Platform

Two data streams.
One lending decision.

Logistics
3PL Booking Platform
Your 3PL's TMS is the trigger. When a load is assigned and an invoice is raised, Rhofin activates — pulling verified shipment data directly from the booking workflow.
Rhofin
Rhofin Platform
From KYB onboarding and OFAC screening to invoice verification and UCC 2022 lien filing, we provide a comprehensive defense against TBML via a single embedded API — no portals, no paperwork, just code.
Funders
Institutional capital, deployed
Rhofin packages verified, compliance-cleared receivables and routes them to institutional funders — giving lenders a real-time, auditable view of every asset they're financing.
Rhofin vs. Traditional Factoring
Capability Traditional Factoring With Rhofin
Verification Manual doc review Live shipment data
Decision time 2–5 business days Same day
Repeat invoices Full review each time Pre-verified, faster
Cargo visibility None BOL, port & delivery status
Onboarding Weeks of paperwork Embedded in your 3PL
Compliance

Built for regulated
environments.

Rhofin is designed from the ground up to meet the compliance requirements of institutional finance.

KYB
KYB — Know Your Business
Every shipper and counterparty onboarded through Rhofin is subject to automated KYB screening. Business identity, ownership structure, and registration data are verified and timestamped at onboarding and monitored continuously thereafter.
TBML
TBML — Trade-Based Money Laundering
Trade-Based Money Laundering is one of the most significant financial crime risks in cross-border freight. Rhofin's TBML monitoring engine screens every transaction against over, under-invoicing patterns, shipment anomalies, and high-risk counterparty flags — automatically, on every transaction, continuously.
Audit
Audit Trail & Document Control
Every data point, decision, and document is timestamped and audit-trailed. D/P (Documents against Payment) mechanics are enforced programmatically — documents are only released on confirmed payment, not on trust.

Ready to embed financing
into your workflow?

Whether you're a shipper looking for faster access to capital, or a 3PL ready to offer embedded financing — Rhofin gets you live in weeks.

Request Early Access → Become a Partner →

Currently onboarding founding customers. H2 2026 launch.