One Up

One Up builds a Business Assistant that combines banking with everyday accounting tasks for small and medium-sized firms. Rather than selling only to businesses, it lets banks place these features inside their own online portals under their own brand.

What One Up offers

• AI transaction categorisation — turns bank feed entries into accounting records automatically, with a stated 95% accuracy.
• Financial reports — ready-made statements for banks, accountants, tax authorities or business partners.
• Cash flow forecasting — projections that each client can adjust.
• Invoicing — covers the path from quote to invoice to tracking cash and sales tax.
• Bill payment — scan a bill and pay it from the portal.
• UK VAT filing — submits VAT returns to HMRC under Making Tax Digital.

Who it works with

The main customers are banks, which can embed the product through its API or use its ready-made front end, and their small business account holders.

Key facts

• Based in: United States
• Delivery: white-label front end or API integration for banks
• Other feature: Smart Advice prompts that suggest relevant financial services to business customers