U1 Import Now Pay Later

Import Financing Calculator

Model landed cost, deposit, financed balance, release value, and repayment structure with a live daily FX reference in the background. Goods stay in their real purchase currency, freight is auto-rated by weight band, and the final facility view is standardized in JMD.

Tier Engine
Starter
Auto-assigned from landed value and shipment weight.
Deposit Rule
40%
Upfront contribution before financing begins.
Release Rule
70%
Controlled release value modeled under the selected tier.

Locked FX Reference

Automatic daily rate feed, not editable by staff or clients.
Updating
USD / JMD
156.0000
1 USD in Jamaican dollars
Last update: Checking feed...
Next scheduled update: Pending...

Input Assumptions

Only the controls that matter. No junk dropdowns, no manual FX field, no freight-rate guessing.
#
Supplier invoice value before local financing treatment.
Only keep this because supplier invoices may come in different currencies.
lb
Freight is auto-calculated from your lb band, no manual shipping-rate field.
Locked to 3, 6, 9, or 12 months for the meeting review.
Auto Freight Band
Up to 20 lb, $6.50 per lb
Shipping cost is calculated automatically from the weight band. Staff does not edit this inside the calculator.
Tier: Starter
Deposit Rate: 40%
Release Eligibility: 70%
Terms: 3, 6, 9, 12 months
Deposit Mix
40%
Finance Mix
60%
Recommended operating model: let goods be entered in their real invoice currency, let freight be banded internally by weight, and let the facility decision always settle into JMD.

Calculated Output

Clean JMD readout for internal review, client discussion, and board presentation.
Cost of Goods
$500,000.00
Converted JMD view of the supplier invoice value.
Shipping Cost
$18,252.00
Auto-calculated from lb weight band using the locked internal freight rate.
Total Landed Value
$518,252.00
Combined cost of goods plus shipping exposure.
Deposit Required
$207,300.80
Client upfront contribution before financing begins.
Financed Balance
$310,951.20
Portion funded under the facility after deposit.
Monthly Payment
$103,650.40
Even spread estimate over 3 months.
Release Eligible Value
$362,776.40
Value potentially available for controlled release.
Facility Mix
60% financed
Deposit share is 40% of landed cost.
Quick Read

This shipment is currently assessed under the Starter tier. Based on the assumptions entered, the client would contribute $207,300.80 upfront and finance $310,951.20. Estimated monthly repayment is $103,650.40, while controlled release can be modeled up to $362,776.40.

Tier View
Starter
Risk Note
More conservative structure for smaller facilities or newer trading activity.
Internal credit note: this version keeps the product logic clean for demonstration. Final production policy should later tie in sector type, document quality, trading history, arrears behavior, and renewal performance.
Daily FX reference powered by ExchangeRate-API