About us

Eleven people, one question

Marlo Fintech started because three of us were freelancers who kept getting the same January wrong in three different ways.

How it started

A spreadsheet that three people kept rewriting

The first version was a spreadsheet with two tabs, passed between a photographer, a translator and a developer who had all discovered the same thing separately: the difficult part is not recording money, it is knowing which of it you are allowed to spend.

We rebuilt it as software in 2022 because the spreadsheet could not read a bank account, and the manual entry was where everyone gave up in week three. Nothing else about the idea has changed since.

A greengrocer’s stall, everything priced by hand

The short history

What happened, in order

2021The spreadsheetTwo tabs and a formula for the tax share, passed around between three people who did not work together.

2022First version, 40 usersRead-only bank connections and one pot. Half the early users were people the founders already knew.

2023Cash and marketsAdded after a year of asking traders why they had signed up and then stopped. The answer was always the same.

2024Team planBuilt for the studios that had outgrown one login but had no interest in becoming an accounting department.

202611,400 accountsNine countries, eleven people, and no outside investment so far.

How we decide things

Four rules we argue about honestly

Read, never write

The product cannot move money. That is a design constraint, not a feature we have not built yet, and it will not change.

Plain words only

If a screen needs a glossary, the screen is wrong. Everything is named the way the people using it would name it out loud.

Small on purpose

Four jobs, done well. Every request to add a fifth gets weighed against how much it would complicate the first four.

Answered by people

Support is eleven people, the same eleven who build it. There is no tier where you get a person and no tier where you do not.

Where we are

The company, in figures

people, all in product or support

2021

the year of the spreadsheet

outside investment so far

countries with local bank connections

We are not trying to become a bank

Plenty of companies started where we did and ended up holding customer money. We would rather stay the thing you check on a Monday and keep our hands off the account.

Talk to us about it

Come and see what we built

Ten minutes to connect an account, and everything above is either true on your own numbers or it is not.

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Read the plans

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