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← Lending Seafarer lending

Credit decisioning built for seafarer lenders.

A seafarer’s income proof is a Seaman’s Book, a contract, an allotment slip and an agency certificate, often stamped or photographed. Floowed reads the whole file and runs your credit policy on every application.

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One seafarer file · Application #2291Recommendation ready

Seaman’s Book

Photographed
Sea service
9 years, 6 vessels

Employment contract

Stamped, 4 pages
Contract ends
Nov 2026
Basic wage
USD 2,140

Allotment slip

Handwritten figures
Monthly allotment
USD 1,500

Manning agency certificate

Scan of a scan
Agency
Registered, active

Allotment remittance history

Bank statement
Received, 6 of 6 months
USD 1,500

Cross-checked

Allotment slip against remittancesMatch, 6 months
Contract end against loan tenor8 months left, 6 needed
Passport expiry against tenorExpires in 4 months

Credit policy

Hard gates5 of 5
Scorecard81 · Grade A
Approve the allotment loan.Grade A, renewal condition attached.Recommended, a credit officer decides

A seafarer’s income isn’t on a payslip.

  1. 01Income lives in a Seaman’s Book, a contract and an allotment slip, and the wage depends on rank against an ITF or CBA scale.
  2. 02Repayment runs through the monthly allotment, and the safe ratio changes by shipping line.
  3. 03The manning agency and vessel principal carry the real risk, and your accepted list has to apply to every file.
  4. 04Pre-departure loans are time-critical. A slow review misses the join date.

Every document a seafarer brings.

Read into clean, validated data, whatever state it arrives in: scanned, photographed, stamped or handwritten.

Seaman’s Book / CDCEmployment contractSea service recordManning agency certificateAllotment slipAllotment remittance historyPEME medical certificateSTCW certificatesSeafarer passportSeafarer ID / record bookManning agency payslipWage account statementsITF / CBA wage scaleGovernment IDsProof of address

Read the file others can’t

Every field that matters, from the pages as they arrive.

  • Rank, wage, contract length and principal from the contract
  • Allotment reconciled against remittances
  • Handwritten, stamped and photographed pages

Your policy, every time

Encode your seafarer rules once.

  • Allotment cap sized to the shipping line
  • Loan matures before the contract ends
  • Manning agency checked against your list

Before the vessel sails

Pre-departure lending lives on timing.

  • A decision in minutes, not days
  • Every approval with its full reasons
  • Nothing left to judgement no one can trace
15h → 15minOne application at Alon Capital, before and after
AnyQuality of document it reads
3 sourcesSystems, bureaus and documents, reconciled

Built for how seafarers borrow.

Pre-departure and placement loans

Medical, training, documents and travel, decided in time for the join date.

Allotment and salary loans

Lend against the monthly allotment, with coverage checked on the allotment, not gross salary.

Between-contract loans

Lend across the gap using sea-service history and the next deployment.

Family-side loans

Lend to the family onshore, with the allotment as income proof.

Decide before the vessel sails.

Start free with $80 of credits, or talk to us about your book.

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