Pre-departure / placement loans
Cover medical, training, documentation, and travel before the first wage lands. Decisioned fast enough to make the join date.
SEAFARER LENDING
Loan decisioning built for seafarer lenders.
A seafarer's income proof is a Seaman's Book, an employment contract, an allotment slip, and a manning-agency certificate, usually stamped, handwritten, or photographed, rarely a clean payslip. Floowed reads the whole seafarer file into decision-ready data, then runs your credit policy on it, identically, on every application.
WHY SEAFARER FILES ARE HARD
A seafarer's income isn't on a payslip.
Lending to crew means underwriting a contract, not an employer. The numbers that matter, rank, basic wage, overtime, leave pay, contract length, the manning agency, and the vessel principal, are scattered across documents that don't reconcile to a standard income proof. Most lenders read them by hand, slowly, and inconsistently from one officer to the next. That is where good applicants get rejected, bad ones get through, and the decision can't keep up with the join date.
The income proof lives in a Seaman's Book, an employment contract, and an allotment slip, not a payslip, and the wage depends on rank read against an ITF or CBA scale.
Repayment runs through the monthly allotment, and the safe ratio changes by shipping line, so coverage has to be checked against the allotment and the line, not gross salary.
The manning agency and vessel principal carry the real risk, and the policy on which ones you accept has to run the same way on every file.
Those papers arrive handwritten, stamped, and photographed, the input basic OCR chokes on, and pre-departure loans still have to clear before the join date.
THE SEAFARER FILE
Every document a seafarer brings.
Identity, sea service, contract terms, income, and the allotment arrangement: the whole file read into clean, validated data, document by document.
- Seaman's Book / CDC
- Employment contract (POEA / DMW or flag-state)
- Sea service record
- Manning agency Certificate of Employment
- Allotment slip / allotment authorization
- Allotment remittance history
- PEME medical certificate
- STCW certificates
- Seafarer passport
- SIRB / seafarer ID
- Manning-agency payslip
- Wage account statements
- ITF / CBA wage scale
- Government IDs
- Proof of address
IN ANY CONDITION
- HANDWRITTEN
- STAMPED
- PHOTOGRAPHED
- SKEWED SCANS
- MULTI-LANGUAGE
- MULTI-PAGE
DOCUMENT INTELLIGENCE
We read the whole quality range.
Seafarer paperwork rarely arrives clean. Floowed reads across the full quality range, where basic OCR and generic IDPs stop at born-digital documents.
Basic OCR / IDP
stops at clean, born-digital
Floowed
reads the whole range
DOCUMENTS TO DECISION
The whole seafarer file, to a decision.
Floowed runs the full path on every application, the same way every time.
DOCUMENTS
Whatever arrives
Seaman's Book, employment contract, allotment slip, manning-agency papers: handwritten, scanned, photographed.
DATA
Read and validated
Rank, wage, allotment, manning agency, and vessel extracted and cross-checked into clean, decision-ready fields.
DECISION
Your policy, enforced
Gates and scorecard run on every file: approve, refer, or decline, with the reasons on record.
DOCUMENT INTELLIGENCE
Read the file other tools can't.
Floowed reads the Seaman's Book, the employment contract, the allotment slip, and the manning-agency papers whatever state they arrive in, then extracts and validates every field that matters: rank, vessel, principal, basic wage, overtime, contract dates, and the allotment amount. Every figure sits beside the source document, so your credit and risk teams verify what was read rather than trust a black box. This is best-in-class document intelligence on real-world paperwork, not OCR that gives up on the first stamp.
- Rank, wage, contract length, and principal pulled straight from the contract
- Allotment amount and remittance history read and reconciled
- Handwritten, stamped, and photographed pages handled natively
- Every value cross-checked across the file, mismatches surfaced not hidden
ENFORCEMENT
Your seafarer credit policy, run the same way every time.
Encode your seafarer policy once, then let it run. Floowed reads the shipping line from the contract and applies your allotment-ratio cap for that line automatically: for example 60% of the allotment for Holland America, 50% for tankers and cargo, 35% for other lines. It enforces the maturity rule that ends every loan before the contract does, with the line's buffer, checks the manning agency against your accredited list, and confirms the rank and vessel on the contract match the sea service record. The policy you write is the policy that runs, identically, on every application, on data machine-read from the documents. Every decision carries its reasons, and every policy change is versioned with a full audit trail. Same policy. Every application. Every time. No exceptions.
- Allotment-ratio cap sized to the shipping line, applied automatically
- Loan maturity forced before contract end, with the line's buffer
- Manning agency checked against your accredited list
- Rank and vessel cross-checked between contract and sea service record
- Full version history and audit trail on the policy and every decision
SPEED TO THE JOIN DATE
Decide before the vessel sails.
Pre-departure lending lives and dies on timing. Floowed turns a stack of seafarer documents into a decision in minutes, not the days a manual file review takes, so a good applicant clears in time to join the vessel. Every approval, decline, and referral comes with the full reason record behind it, so nothing is a judgement call no one can reconstruct later.
THE FLOOWED DIFFERENCE
Faster, sharper, and the same every time.
90%
Less time per application
DOCUMENT TO DECISION
99%+
Extraction accuracy, any quality
HANDWRITTEN OR SCANNED
100%
Same policy, every application
FULLY AUDITABLE
WHAT YOU LEND
Built for how seafarers borrow.
One decisioning setup across the products seafarer lenders actually run.
Allotment & salary loans
Advance against the monthly allotment, or lend on on-contract salary read from the contract, with coverage checked against the allotment, not gross salary.
Between-contract / reintegration loans
Lend across the gap between contracts using sea-service history and the next deployment.
Family-side loans
Lend to the spouse or family onshore against the allotment as income proof, with the seafarer's contract as supporting evidence.
WHY FLOOWED
Enterprise-grade decisioning, without the enterprise implementation tax.
Reads the seafarer file natively
Document intelligence that is genuinely best-in-class on handwritten, stamped, and photographed crew paperwork, as a headline product, not a partnership or a plug-in.
Same policy, every application
The policy you write is the policy that runs, on every file, with full version history and a decision-level audit trail your risk team can stand behind.
Bring any score, any bureau
We orchestrate, we don't compete. Plug in your scores, bureaus, KYC, and LMS across 40+ integrations and feed them all into one policy.
Live in weeks, not quarters
Weeks of proper configuration, then live. Not the six to eighteen months and six-figure implementations tier-1 platforms force on you.
QUESTIONS
Seafarer lending, answered.
Can Floowed read a Seaman's Book or CDC?
Yes. The Seaman's Book and Continuous Discharge Certificate are core seafarer documents Floowed is built to read, including handwritten entries, stamps, and photographed pages. It extracts sea service, rank, and vessel history into validated data and cross-checks it against the rest of the file.
What seafarer documents can Floowed process?
The whole seafarer file: Seaman's Book / CDC, the employment contract (POEA / DMW or flag-state), sea service records, manning-agency certificates of employment, allotment slips and remittance history, PEME medical certificates, STCW certificates, the seafarer passport and SIRB, wage account statements, and government IDs. Custom processors are available for any document type a lender needs.
How does Floowed verify a seafarer's income?
Floowed reads the rank, basic wage, overtime, leave pay, and contract dates from the employment contract, validates the wage against the applicable ITF or CBA scale for that rank, and reconciles the allotment amount against the remittance history. Repayment coverage is then checked against the allotment, not gross salary, the way seafarer lending actually works.
Can Floowed enforce a manning-agency or principal whitelist?
Yes. Accepted manning agencies and vessel principals are part of your credit policy, and Floowed applies that policy identically to every application. The manning agency and principal are read from the documents, checked against your accredited list, and the result is recorded with the reason behind it.
How does Floowed handle allotment-ratio limits by shipping line?
Floowed reads the shipping line from the contract and applies your allotment-ratio cap for that line automatically: for example 60% of the allotment for Holland America, 50% for tankers and cargo, 35% for other lines. If the requested repayment exceeds the line's cap on the allotment, the application is gated before it reaches a credit officer, with the line and the cap recorded on the decision.
Can Floowed make sure a loan matures before the contract ends?
Yes. Floowed reads the contract end date and enforces your maturity rule: the loan must end before the contract completes, with the line's buffer, for example two months before for Holland America and one month for other lines. A loan that would mature too late, or after the contract end date, is gated automatically.
Does Floowed support family-side seafarer loans?
Yes. Many seafarer loans are taken by the spouse or family onshore, using the allotment as income proof and the seafarer's contract as supporting evidence. Floowed handles both borrower profiles, seafarer-direct and family-side, with different document requirements and affordability thresholds, all enforced by the same policy.
What kinds of seafarer loans can lenders decision with Floowed?
Pre-departure and placement loans, allotment and salary advances, salary loans, and between-contract or reintegration loans. One decisioning setup covers the range, with policy tuned per product.
How fast can a seafarer loan be decisioned?
Floowed turns a full set of seafarer documents into a decision in minutes rather than the days a manual file review takes, which matters most for time-critical pre-departure loans where the seafarer has to join the vessel by a fixed date.
Does Floowed replace our credit policy?
No. Floowed runs your policy. You set the rank-to-wage rules, allotment-coverage ratios, contract minimums, and agency whitelists, and Floowed enforces them on every application, with version history and an audit trail. It is the engine that applies your policy, not a scoring model that overrides it.
How is Floowed different from basic OCR?
Basic OCR reads text off a page and stops there. Floowed reads seafarer documents of any quality, validates and cross-checks the data, then feeds the clean result into your own credit policy to reach a decision, with the documents, the data, and the reasons all on record. It is a loan decisioning platform, not an isolated extraction tool.
GO DEEPER
The seafarer underwriting playbook.
ONE PLATFORM
One platform. The whole decision.
The file is data now. Here's what runs on it.
Document IntelligenceReads every loan document: clean PDFs through handwritten scans.EXPLORE →Fraud ForensicsCatches the document that shouldn't pass.EXPLORE →Borrower 360Look beyond the application. Bureau data, KYC, banking, entity research, all feeding the same policy.EXPLORE →Decisioning EngineYour credit policy, executed identically on every application.EXPLORE →
Run a real seafarer file through it.
Upload a Seaman's Book and an employment contract. Watch them become a decision.