How is CERTY different from a credit bureau?

Bureaus rely on periodic filings and reported data. CERTY scores update continuously from real payment behaviour, so risk is visible earlier.

Does CERTY integrate with core banking systems?

Yes, via API into core banking, CRM and risk dashboards.

CERTY Solutions

Real-Time Maritime Credit Risk for Banks and Lending Platforms

Banks and platforms financing shipping and trade SMEs are exposed to borrowers whose financial statements are already months old by the time they’re filed. CERTY replaces that lag with a continuously updating credit risk analytics built from real live operational behavior and Machine Learning, so credit teams can make decisions and monitor exposure with more speed and confidence.

Lenders & Financial Institutions

How CERTY Helps

Understand Current Behaviour

Base decisions on how a borrower actually pays today, not on filings from last year.

Monitor the Whole Book Live

Individual scores roll up into portfolio-level exposure views by sector, corridor and risk tier, with alerts when concentration crosses a threshold.

Plug Into Your Stack

Scores and alerts deliver into core banking, CRM and risk dashboards through the API, with no manual uploads.

Built for Lenders & Financial Institutions

Instant Credit Intelligence

Available

Get 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

Instant maritime credit intelligence

Credit Portfolio Monitoring

Available

Monitor 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

Credit portfolio monitoring

FAQ

Frequently Asked Questions

How is CERTY different from a credit bureau?
Bureaus rely on periodic filings and reported data. CERTY scores update continuously from real payment behaviour, so risk is visible earlier.
Does CERTY integrate with core banking systems?
Yes, via API into core banking, CRM and risk dashboards.

Get Started

Explore Your Counterparties with CERTY

Request a demo to experience next-generation credit intelligence built from real-time operational and payment data.

Request a Demo