What it does
Four jobs, done quietly
Marlo Fintech reads your accounts, holds back what is not yours, chases what you are owed, and tells you the one number left over.
One view
Every account you use for work, read into one page
Business current account, personal account you have never quite separated, card, payment processor, and the cash you took at a market on Saturday. They refresh overnight and sit on one page in the order you put them.
Pots
What is not yours never looks like it is
A percentage for tax, a monthly figure for fixed costs, and a buffer that fills after those two. Money is split on the way in, so the headline figure on your dashboard has already had the difficult subtractions done to it.
Invoices
Sent, matched, and chased on a schedule
Raise an invoice in about thirty seconds, and Marlo Fintech watches for the payment. When it arrives the invoice closes itself. When it does not, the reminder goes out on day one, day fourteen and day thirty, in wording you set once.
Year end
A summary your accountant will not send back
Income, costs by category, what you held back for tax and what you actually owe. One file, in the format accountants ask for, generated from the same records you have been looking at all year rather than reconstructed in April.
The rest of it
Small things that turn out to matter
Being straight about it
Four things it deliberately does not do
Every one of these was a decision, and each of them is why the rest stays simple enough to use on a Monday.
It does not move money
The bank connection is read-only. Payments happen in your bank, where they always did.
It does not file your tax return
It gets the numbers ready and hands them over. Filing rules differ by country and change every year.
It does not do payroll
Salaries are held back like any other fixed cost, but the payslips come from your payroll provider.
It does not give advice
No suggestions about what to do with the money. It shows you what is there and stops.
Security
What we can see, and what we cannot
The short version: transactions and balances, yes. Anything that moves money, no — not through us, not with your permission, not at all.
Connect one account and look
Ten minutes, no card, and you can disconnect it again from your bank if you do not like what you see.
Free while you are under $2,000 a month