The Problem: 30-Minute Cash Check
Your lender calls: "What's your cash position?" You spend 30 minutes logging into 8 bank portals, converting EUR/SGD/GBP to USD, and building Excel calculations. This daily maritime CFO reality costs time, money, and creates covenant anxiety.
Why Traditional Cash Management Fails
Multi-Bank Maze: 8-12 accounts across 3-5 currencies require manual login and conversion to see total cash.
Working Capital Gap: Pay bunkers/ports immediately, collect freight 30-90 days later. Requires $1.5M-$3M per vessel just bridging timing.
FX Blindness: Can't quickly answer "What's our EUR exposure?" Suboptimal timing costs $50K-$150K annually.
Covenant Panic: Discover liquidity breaches at month-end—too late for prevention. Emergency fixes cost $25K-$50K in fees.
The Solution: Real-Time Visibility
Unified Dashboard: All accounts, live balances, auto-converted to USD via banking APIs. Cash check: 30 minutes → 30 seconds.
Automated Forecasting: 30/60/90-day projections from voyage schedules and contracts. 85-95% accuracy versus 60-70% manual Excel. Example: Forecast shows covenant breach in 45 days. Accelerate receivables ($18.5K cost) versus $150K+ amendment fees—saves $131.5K.
FX Optimization: Real-time currency positions show exact needs. Automated timing and better platforms (0.1-0.3% versus 0.8-1.2% spread) save $80K-$120K annually.
Covenant Integration: Cash forecasts with covenant monitoring provide 30-90 day breach warnings—preventing violations before occurrence.
ROI: $447K-$545K Annual Benefit
Working capital: Reduce buffer 25% → 12%, free $5.2M ($312K opportunity cost saved)
Time savings: Daily checks 30min → 30sec, monthly forecasting 8hr → 1hr ($25K value)
FX savings: $60K-$108K from better timing/fees
Breach prevention: Avoid 2 near-breaches, save $50K-$100K fees
Investment: $65K-$95K Year 1 | Payback: 2-3 months | 5-Year ROI: 25-35x
Implementation: 8 Weeks
Banking API setup → Historical data → Forecasting config → Training/go-live
Requires: Banking integration within maritime ERP—not standalone tools—to auto-pull voyage data for accurate forecasting.
Conclusion
Modern maritime CFOs need instant multi-account visibility, 90-day forecasts, multi-currency optimization, and covenant monitoring—not 30-minute manual calculations.
Technology exists. ROI proven. Implementation: 8 weeks. When do you start?
Marlo ( www.marlo.co ): Integrated maritime ERP with real-time banking for dry bulk/tanker operators.Features: Multi-bank APIs, unified dashboard, automated forecasting, FX optimization, covenant monitoring.Book demo
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Alex: Feb 26, 2026
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Alex