Marco

Marco operates a cross-border financial infrastructure platform aimed at Latin American companies with commercial operations linked to the United States. Its core offering is a multi-currency global account that lets businesses receive payments in US dollars, hold and convert balances across MXN, USD and EUR (with CNY also shown among supported currencies), and pay suppliers from a single interface. The product presents these capabilities as layers of one system: centralizing collections and payments first, then adding operational controls, and finally liquidity when required.

Around the account sit adjacent modules including foreign-exchange conversion with user-timed execution ahead of bank cutoffs, cards, invoicing, compliance tooling for US financial operations, reporting, cargo/collection insurance, invoice factoring to release working capital from outstanding invoices, and US entity formation. A revolving credit line is offered for inventory, payroll and operational peaks, positioned as requiring no collateral and no lengthy bank underwriting process. Treasury features emphasize real-time visibility over balances, movements and conversions, along with permissions and traceability, presented as an alternative to spreadsheet-based reconciliation across multiple accounts in two countries.

Business model

Marco provides a software platform bundling multi-currency accounts, FX conversion, payments, cards and invoicing with financing products such as a revolving credit line and invoice factoring, plus adjacent services including US company formation, compliance and insurance.