World's first online lending platform for the $100B+ maritime industry

MARLO is a platform for lenders to identify good credits in shipping.



  • FinTech


  • Web application




MARLO (short for “Maritime Loans”) was founded by a group of entrepreneurs with backgrounds in shipping, banking and risk management. The idea to create a lending marketplace for maritime was born out of a desire to help small shipping companies raise capital efficiently through technology.



The company was founded by shipping, credit & underwriting experts. The founders needed a software development team that could take the industry expertise of the founders and build a technology solution and customer experience flow that resonated with maritime operators in need of working capital solutions.




On a mission to help MARLO digitize a process that was up until the founding of this company a very hands on & manual process, Transcend helped develop an algorithm that took a traditionally 70% manual / 30% automated process to a 30% manual / 70% automated one.

After working with the founding team, Transcend learned what criteria lenders looked for to deem credit-worthiness and developed a proprietary credit rating system.

Transcend team worked day in and day out with the founders for over 6 months roadmapping, developing and launching an MVP solution. Our product managers & architects were hands on as the team developed / launched their MVP solution and built an offshore development team and product managers.

  • Strategically developed a product roadmap & MVP solution that worked with MARLO's early-stage budgets
  • Developed engineering infrastructure in terms of an offshore development team that could ramp up & ramp down during product sprints
  • Built data intelligence to evaluate credit risk in shipping
  • Create a sector for lenders to identify excellent opportunities with credit-worth ""MARLO-underwritten"" borrowers
  • Streamline the underwriting process using an algorithmic approach that speeds up the process for funding a loan
marlo 4@3x



  • Transcend Digital built out loan underwriting & origination platform for MARLO Technologies
  • MVP solution that MARLO was able to close their Series Seed with
  • Scaled a 20 member engineers team, saving MARLO millions of dollars through the offshoring structure
  • MARLO raised $30M of funding

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Ryan Botwinick
Fyxt CEO

Transcend Digital was exactly what we needed for our early stage company and continues go above and beyond for the product and consistently impress me with their thought process and ability to remain lean.