In the mid-2000s, Dmitrii Rivkin and Anton Skorobohatov were simply friends. They spent time together, visited each other’s homes, and had no idea their connection would eventually grow into a joint business. Anton went on to become a lawyer at a major agricultural holding, while Dmytro built a career in logistics and sales consulting, organizing deliveries from factories in China to warehouses in Ukraine.
In 2016, they crossed paths again – this time with a purpose: to simplify the process of importing for small and medium-sized businesses. They first launched a company that helped entrepreneurs solve challenges in international multimodal logistics. In 2024, they introduced a financing product called Done, where logistics and cash flow operate as a unified system.
How does Done integrate trade and financial solutions into one product – and offer an alternative to bank lending for import operations?
The Idea Behind It
The concept of financing imports grew out of real pain points faced by small and medium-sized businesses. ʼAs a logistics operator, we were delivering goods to clients, and they would say: It’d be great if you could also finance the purchase and delivery, ʼ recalls Anton Skorobohatov, describing the origins of what later became Done.
To meet that demand, Dmitrii Rivkin acquired the financial company SCF and began raising external capital to finance trade transactions. Demand turned out to be strong: banks rarely lend without collateral, require fully transparent accounting, and take a long time to review applications.
The full-scale war only intensified the problem, making fast access to liquidity critical. That’s when a business model emerged that combined logistics and financing into a single, bureaucracy-free system. Within it, Ryvkin is responsible for the financial architecture, while Skorobohatov oversees trade and logistics operations.
This is how Done emerged – a product that finances imports from China and Hong Kong, Europe, and Turkey. More than 150 specialists work on it, including logisticians, brokers, lawyers, IT professionals, and finance experts.
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About the Business Model
Done’s operational model works as follows: Done specialists purchase goods on behalf of the client and handle logistics, insurance, and storage. Its financial partner, SCF, provides the liquidity needed to pay the factory invoice. The client settles the obligation upon receiving the goods.
Anton Skorobohatov,
owner of the trading company Done
This is the first product where money isn’t a separate service but part of the supply chain. It’s embedded in the journey from the factory to the client’s warehouse,ʼ explains Anton Skorobohatov, owner of the trading company Done. ʼNow there’s no need to worry about how to pay a factory invoice in China or where to get foreign currency. The client tells us, for example, that they need a container of solar panels from China, and we handle everything.
Done doesn’t provide cash ʼin handʼ but finances specific goods, whose movement can be tracked in real time. ʼTraditional financing carries risk, but financing through the product itself is completely transparent,ʼ emphasizes Dmitrii Rivkin.
For instance, Done financed the purchase of home appliances for the distributor of the Interlux brand, totaling over $530,000. ʼThis cooperation began after the Chinese factory changed its delivery terms – requiring full prepayment and stopping cargo insurance,ʼ recalls Anton Skorobohatov. ʼThanks to us, the client was able not only to establish a stable supply chain but also to import an additional 27 containers.ʼ
The average deal size exceeds $68,000, the company says. The most frequently imported goods include tools, solar panels, medical equipment, air conditioners, heating systems, household appliances, lighting systems, and construction materials. ʼCollaboration with a client often turns into a long-term partnership. And that is our greatest value,ʼ says Dmitrii Rivkin.
Not Like a Bank
Done’s credit scoring is built on a different principle than traditional banks. Clients don’t need to fill out lengthy forms, gather numerous documents, or pledge assets to prove their reliability. Instead, creditworthiness is assessed using the company’s internal algorithms.
ʼThe collateral in our model is the goods themselves, whose movement we track,ʼ explains Anton Skorobohatov. ʼBy controlling logistics, we create our own credit history for the client: we see their discipline in transactions, what goods they import into Ukraine, and how quickly they turn over. We assess payment regularity, the type of goods, and their turnover.ʼ
This approach allows Done to build an effective credit model without requiring active involvement from the client, simplifying onboarding, reducing company risk, and enabling financing to be launched quickly and transparently, Anton emphasizes.
Stages of Collaboration with Done
Benefits for Clients
The key advantage of Done’s financing product is time savings. ʼClients don’t need to find liquidity, navigate currency controls, or handle customs issues, because we take care of all these processes,ʼ the founders emphasize.
The second benefit is flexibility. Goods can be taken in batches, paid for in stages, and order volumes can be scaled without risk. ʼClients don’t have to purchase the entire container at once. This reduces the burden on their business and gives them room to maneuver,ʼ explains Anton Skorobohatov.
The third effect is business growth. On average, client turnover increases by 30–50% within the first six months of collaboration, say partners. The reason is the elimination of chronic cash flow shortages. ʼOne of our clients, the distributor of the Interlux brand, was able to expand their home appliance lineup thanks to financing: the number of refrigerator models grew from 10 to 15. Within five months, the company increased revenue by 25–30%,ʼ cites Anton Skorobohatov.
The fourth aspect is transparency and accessibility. Done works without collateral, and decisions are based not on credit history but on actual collaboration within the supply chain. ʼIf a client grows only with their own resources, they risk missing the moment. But if we provide timely financial leverage, they can become a leader in their niche,ʼ adds Dmitrii Rivkin.
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The Future of Done
In 2025, Done’s financial partner, SCF, issued corporate bonds worth UAH 180 million.
Dmitrii Rivkin,
financial partner of the Done product
This is the first bond issue focused on real deliveries and transparent logistics, where performance can also be tracked. Each investor can purchase SCF bonds publicly. They protect against currency fluctuations, as both income and face value are indexed.
The Done team is actively expanding its presence in Ukraine, launching new product categories, and preparing for its first deals in Eastern Europe. One key initiative in 2026 is the launch of the Client Portal, a technological tool that will allow entrepreneurs to manage the entire supply cycle: submit requests, choose financing options, track shipment status, and monitor deadlines.
ʼSmall and medium-sized businesses are ready to grow, but traditional credit remains largely inaccessible to them. In this context, Done is a comprehensive product that combines logistics and finance,ʼ comments Anton Skorobohatov. ʼFor us, it’s a way to support Ukraine’s economic recovery, providing entrepreneurs with tools that allow them to move forward even in uncertain conditions.ʼ
ТОВ «ФК «СЧФ». Ліцензія на діяльність фінансової компанії з правом надання послуги – надання коштів та банківських металів у кредит, видана НБУ 26.03.2024 р.
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