Real-Time Credit Intelligence for the Maritime Sector
Live Credit Risk, Reimagined for a Volatile World.
CERTY turns Real-Time operational behavior into LIVE Credit Scores, replacing legacy assessments and lagging bureau data with a continuously updating view of borrower health, built for maritime trade and finance.
Qualified Confidence
Detailed Financial Analysis
Subscribe to Alerts
Portfolio Monitoring
Approve Conditionally
The applicant’s score is below the required threshold. A slight increase in the risk premium is needed to cover potential exposure.
Thousands of Signal Data Points Transformed into One Continuous Credit Risk Insight
We follow LIVE vessel operations as thousands of operational events become a clear voyage narrative, revealing movement, idle periods, destination changes, alerts and ultimately LIVE Risk Visibility
Loading historical voyage…
Historical AIS voyage · 2025 · Basemap: Natural Earth · Commercial and credit events are a simulated product scenario — values are illustrative
Credit Signal from Real Behaviour
Secure, traceable, current — a live read on how counterparties actually pay and operate, not a static score.
Current intelligence
Credit views adapt with new payment activity and operational updates — not quarterly cycles — and stay current as behaviour changes.
Payment behaviour analysis
How counterparties actually pay is the clearest signal of credit health.
Early risk detection
Spot shifts in payment behaviour earlier than traditional reporting cycles.
Portfolio-wide monitoring
Individual scores roll up into a live view of exposure across your whole book.
Security
Your data is protected at every step.
Traceability
Every insight traces back to real payment evidence or operational item.
Built for How Maritime Credit Works
Instant Credit Intelligence
AvailableGet a live, continuously updated credit risk score for any counterparty, generated from real-time data and cash payment behavior rather than historical filings. Instant Credit Intelligence flags deteriorating payment patterns as they happen, giving credit teams a decision-ready signal instead of a quarterly snapshot.
Live & Instant Risk Scoring
Cash Flow Behavior Analysis
Predictive Default Alerts
API & Core Integration
Credit Portfolio Monitoring
AvailableMonitor an entire lending book from a single live dashboard. Credit Portfolio Monitoring aggregates individual risk scores into portfolio-level exposure views, so risk teams can see concentration, sector, and geographic risk shifting in real time, not just at the next review cycle.
Portfolio Risk Dashboard
Exposure & Concentration Alerts
Sector Benchmarking
Automated Reporting
Embedded Financing
Coming soonEmbedded Financing will let banks and platforms extend credit directly at the point of trade, underwritten in real time using CERTY’s live risk engine. It is built for SME lenders and insurers that want to offer or cover financing without building underwriting infrastructure from scratch.
ExploreUpload One Invoice. Unlock a Comprehensive Risk View
Upload an Inquiry or a Counterparty
One Click. Unlock Instant Real-Time Risk View! The uploaded document carries far more than payment information — it reveals vessels, ownership structures and transactional relationships. CERTY identifies the entities that matter before analysis begins.
Who CERTY Is For
Maritime Trade of Goods and Services
Companies moving goods and services through shipping and trade corridors operate on thin, cash-dependent margins that can shift fast with freight rates, port delays, or sanctions.
CERTY gives these businesses and their counterparties a live read on partner creditworthiness, so payment risk is visible before it disrupts a shipment or a trade relationship.
Lending Platforms and Financial Institutions
Banks and lending platforms financing SMEs in trade and shipping are exposed to counterparties whose financial statements are already months out of date by the time they’re filed.
CERTY replaces that lag with a continuously updating risk score built from real cash payment behavior, letting credit teams underwrite and monitor exposure with far greater speed and confidence.
Insurance Companies
Trade credit and marine cargo insurers price policies based on the creditworthiness and payment reliability of the parties they’re covering, but that picture is often just as stale as a bank’s.
CERTY gives insurers a live risk signal to inform underwriting and pricing decisions, and an early warning system to flag deteriorating counterparties before a claim is triggered.
Maritime Business Intelligence Agencies
Agencies that track vessel movements, freight markets, and shipping risk have deep operational visibility but limited insight into the financial health of the companies behind that activity.
CERTY adds a real-time credit risk layer to that intelligence, letting these agencies offer clients a more complete picture that connects operational and financial risk.
Explore Your Counterparties with CERTY
Request a demo to experience next-generation credit intelligence built from real-time operational and payment data.