Product · Finmarine
The operating layer for maritime payments.
From invoice to settlement to reporting — one continuous flow for ships and vendors, across borders.
01 — Digital invoicing
The vendor issues the invoice.
A vendor raises a clean, itemized invoice straight to the vessel — structured, auditable and ready to settle. No PDFs lost in inboxes, no paper at the next port.
✓ Itemized lines, taxes & currency built in
✓ Templates for bunkering, parts, yard & chandlery
✓ Shared instantly with the vessel — no email
Invoice INV-20418
MV Aurora Star · Rotterdam
Issued
| Item | Amount |
|---|---|
| IFO 380 — 420 MT | $142,800 |
| MGO — 60 MT | $38,400 |
| Barge & delivery | $3,000 |
| Total | $184,200 |
02 — Approve and settle
The ship approves it in one inbox.
Every vendor invoice lands in a single queue. The ship reviews and approves against the voyage — no email chains, no lost paperwork, with a full audit trail.
✓ One inbox for every vendor invoice
✓ Approve against the voyage budget
✓ Every action logged for compliance
Approval queue
1 to review
| Vendor | Service | Amount |
|---|---|---|
| Nordic Bunkers AS | Bunkering · MV Aurora Star | $184,200 |
| INV-20418 | ||
| Decline | Approve & schedule |
03 — Vendor gets paid
The vendor is paid up front.
The vendor takes payment immediately — a discounted fee, starting at 5%, is netted from the invoice. No waiting 60–90 days on the voyage for the cash they've already earned.
✓ Advance the moment the invoice clears
✓ Discounted fee netted transparently — from 5%
✓ Cash in the vendor’s account in under 48 hours
Vendor advance — INV-20418
| Invoice amount | $184,200 |
|---|---|
| Finmarine fee (from 5%) | – $9,210 |
| Paid to vendor now | $174,990 |
04 — Ship pays later
The ship settles on the voyage.
Finmarine carries the timing. The ship never pays upfront — it settles later, cross-border in local currency, on a schedule that fits the voyage and its cash cycle.
✓ Never pay upfront — Finmarine carries the timing
✓ Schedule settlement against the voyage
✓ Cross-border in 40+ currencies
Settlement timeline
Voyage schedule
| Due Date | Vendor | Amount |
|---|---|---|
| Jun 28 | Sea Pioneer Chandlery | $18,430 |
| Jul 04 | Gulf Marine Fuels | $96,500 |
| Jul 12 | Atlantic Engine Co. | $64,120 |
05 — All in one reporting
Everything, in one report.
Every transaction is tracked end to end. Spend by vessel and voyage, revenue per ship, and an exportable trail for finance and auditors — all on one operating layer.
✓ Spend by vessel, voyage & vendor
✓ Revenue & payment tracking per ship
✓ Export-ready for finance & auditors
Spend by category
| Category | Percentage of Voyage Spend | Amount |
|---|---|---|
| Bunkering | 48% | $281K |
| Shipyard | 31% | $182K |
| Chandlery | 11% | $64K |