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For boat charter companies

Don't leave your cash moored.

In high season your cash piles up and sits idle for months. Put it to work until the day you need it.

4-5% a year on your cash
Instant withdrawals
Optional insurance

Calculate my return Let's talk

How it works

Three steps, no lock-in

1
Open an account in your company's name
We open it together on a 20-minute call. We ask for your company documents, just like a bank.
2
Move the cash you don't need right now
With a simple transfer from your business account. It starts earning the day it arrives.
3
Withdraw it when you have bills to pay
Wages, fuel, berths, end-of-season work. The money is back in your account within minutes.

400+client companies

4-5%annual yield, variable

minutesto withdraw your funds

24/7access to your account

How to use it

Three ways to put your season's cash to work

You don't have to move everything. Choose how much of your cash works and for how long, and withdraw it when you need it.

The summer peak

From June to September more money comes in than goes out. Keep what you need for running costs in the bank and put the surplus on Floteo.

On Floteo from June to September

€300,000 for 4 months: €5,000

The winter reserve

The cash built up over the summer has to cover the months with no income. It stays on Floteo and you withdraw it bit by bit as costs come in.

On Floteo from October to March

€200,000 for 6 months: €5,000

Money set aside

VAT, taxes, leasing instalments, a refit you've already planned. The money you set aside earns until the day it's due.

On Floteo all year round

€120,000 for 12 months: €6,000

Months when the cash is on Floteo. Examples calculated at a 5% annual yield, variable and not guaranteed.

A season with Floteo

One season, cash that works.

15 JunThe first weeks are fully booked. You keep a month of costs in the bank and move the surplus.€80,000
20 AugPeak season. All the cash you won't need before autumn is on Floteo.€420,000
10 OctEnd of season. You withdraw what you need to close the books, the rest keeps earning.€250,000
15 JanWinter storage and maintenance. You withdraw bit by bit as the invoices arrive.€60,000

Interest earned in a year€8,400

Illustrative example, 5% annual yield, variable and not guaranteed.

Calculator

What your season's cash could earn

Enter the cash that sits idle in your account on average, and for how many months.

Average idle cash

€

The cash that stays in the account on average without being needed right away.

For how many months

6 months

With Aon insurance (4% instead of 5%)

In 6 months your cash would earn

€12,500

about €2,083 a month

5% annual yield, variable and not guaranteed.

Who it's for

For businesses that earn in summer and spend all year

Charter management

You manage a fleet, and in high season the company's cash grows faster than its costs.

Own fleet

Summer cash has to cover the winter, storage and maintenance.

Day charters

Lots of small, frequent payments that add up from May to October.

Agencies and brokers

Commissions come in over a few months and cash stays high until winter.

Webinar

Rather see it live? We'll show you Floteo in 30 minutes on Thursday 15 October.

FAQ

Frequently asked questions

Can't find your question? Message us on WhatsApp.

Can I withdraw whenever I want?

Yes. There's no minimum term. You request the withdrawal from your dashboard and the money lands in your business account, usually within minutes.

How do I record it in my accounts?

Every month you get a statement with your balance, transactions and interest earned, ready for your accountant.

What happens if the platform shuts down?

The funds are in your company's name and are not on the balance sheet of the company that runs the platform. The terms require it to stay accessible until clients have withdrawn everything.

What does the insurance cover?

It's optional and provided by Aon. It covers the infrastructure's technical risks, up to a cap. With insurance the yield goes from about 5% to about 4% a year.

Which countries is it available in?

Across the whole European Union. You can open an account if your company is registered in an EU country.

How do I see what I've earned?

On the platform. Interest accrues every hour and you see your balance, transactions and total earnings in real time.

Is there a minimum amount?

No. You can start with any amount and add more whenever you like.

Is the yield guaranteed?

No. It's variable because it depends on the interest paid by borrowers. Today it's around 4-5% a year. Past returns don't guarantee future returns.

How much does it cost?

No subscription and no fixed fees. The platform keeps 10% of the interest earned, as set out in the terms and conditions.

Let's talk

Get your cash ready for next season.

In 15 minutes we explain how it works and what your cash could earn. We reply on WhatsApp in English, French and Spanish.

+00 000 000 000

Placeholder number in this test version.

We open it together on a 20-minute call.

Don't leave your cash moored.

Three steps, no lock-in

Open an account in your company's name

Move the cash you don't need right now

Withdraw it when you have bills to pay