For Maritime Banks

Lend smarter. Monitor continuously. Recover faster.

Marintel gives ship-finance banks the audit-graded vessel records, ownership ledger, and covenant monitoring infrastructure they need — across origination, ongoing servicing, and recovery scenarios.

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How Marintel works for ship finance banks

The problem you face today

You're a relationship manager at a ship-finance bank with 60 financed vessels in your portfolio. Each one has a loan file in your system, a mortgage instrument in your jurisdiction's registry, a refund guarantee outstanding (if newbuild), and continuous obligations on the borrower to maintain insurance, class, and other covenants.

Today, monitoring this is mostly manual. Annual LTV refresh requires the borrower to engage a valuation provider. Class certificate renewal is your responsibility to verify; if you miss it, the vessel is technically in default.

Ship finance is a high-value, high-complexity asset class. Your monitoring infrastructure should match. It doesn't, today.

What Marintel gives you

A continuously-verified view of your collateral — vessel by vessel, loan by loan.

Vessel and ownership records that update automatically as documents flow through deals
Live valuations integrated with VesselsValue / Clarksons / MSI / Affinity (V1 add-on)
LTV monitoring with covenant breach alerts
Mortgage register tied to the platform; release sequences orchestrated at deal closing
Cryptographically signed proof of every ownership and mortgage event — verifiable in your own systems
Class and statutory certificate expiry alerts so you know before your borrower does

You stop reacting to events you should have known about. You start managing risk in real time.

How Marintel changes your workflow

From document chase to deal velocity.

Today

New financing: 4-6 weeks of document gathering from borrower; due diligence on owner SPV.
Annual LTV refresh: borrower contacts valuation provider; result lands in your inbox; manually entered.
Class certificate renewal: tracked in your portfolio system; verified manually.
Ownership change: notified by borrower's lawyer; you confirm via correspondence.
Mortgage release at refinance or sale: orchestrated via emails; potential timing errors.

With Marintel

Borrower's data room is already populated; you join with read access; diligence in days.
Live valuations feed the ledger automatically; webhook notification to your system.
Alert 60 days ahead; borrower notified; new cert validated automatically when uploaded.
Requires your acknowledgement; tracked through the deal phase progression.
Orchestrated by the workflow; signed Mortgage Release Acknowledgement issued.

Features

Built for banks.

Vessel and ownership records

Borrower opens a data room; you receive an invitation. Every document flows through Marintel's validation pipeline. You see the ownership chain verified, class certificate validated, mortgage register synced.

Live valuations (V1)

The Live Valuations add-on integrates with VesselsValue, Clarksons SIN, MSI Horizon, or Affinity. Daily or weekly mark-to-market against your loan book. No more chasing borrowers for annual valuations.

LTV covenant monitoring (V1)

Configure your LTV covenant threshold; breach alert fires before the covenant is breached. Both you and borrower see the same data; reduces dispute. The difference between proactive risk management and reactive workouts.

Mortgage register synchronisation

When the mortgage instrument is executed, Marintel records the mortgagee, rank, principal, currency. You receive a signed confirmation that the mortgage is properly perfected. When the loan is repaid, release is orchestrated and discharge confirmed.

Refund Guarantee tracking (Newbuilds)

Marintel tracks RGs across each newbuild stage payment, alerts you to expiry risk, and ensures the RG terms match the SBC. If a yard slips delivery and the RG is about to expire, you know before the RG does.

Counterparty corporate-doc pack

Your KYC team validates the borrower SPV once; reusable across all that borrower's vessel financings. Substantial time savings on origination.

Signed proof for everything

Loans originated, ownership changes, mortgage registrations, LTV breaches — all signed events. Your audit team can verify every event independently using Marintel's public key infrastructure.

Documents for credit committee

Vessel particulars, owner KYC, valuations, charter exposure, class status, prior owner history — all in the vessel's Marintel record. Credit committee gets a comprehensive picture in hours instead of weeks.

A typical workflow

You're a senior credit officer at a ship-finance bank. You're managing 50 active financings across 6 borrower groups.

01
New financing
- Borrower approaches with a vessel acquisition. You join their data room as the Buyer's Bank.
- All vessel diligence already validated. You request additional borrower-side documents.
- Decision and signing within 3 weeks of receipt — down from 6-8 weeks.
02
Daily monitoring
- Dashboard shows your portfolio of 50 financings
- Two LTV warning flags; one class certificate expiry alert in 60 days; you notify the borrower
03
Mid-life event
- Borrower refinances one vessel from another lender to you
- Outgoing lender prepares Mortgage Release; your new mortgage instrument is executed
- Marintel coordinates registration; signed Mortgage Registration Acknowledgement received
04
Recovery scenario
- Financial distress event with the borrower; you access full ownership chain, recent valuations, charter status, insurance status
- Recovery is informed by full data, not partial reconstruction
05
Annual audit
- Auditor requests proof of mortgage perfection across all 50 financings
- You export signed Ownership Snapshots and Mortgage Registration Acknowledgements
- Auditor verifies independently using Marintel's published public keys