OneUp
OneUp is a cloud-based accounting and business management SaaS platform that serves SMBs via direct subscriptions, accountants via channel partnerships, and enterprise banks (Lloyds, BNP Paribas) via white-label API-embedded Business Assistant deployments, with AI-powered automation at its core.
- Company typePrivate
- Founded2010
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What OneUp does
OneUp, founded in 2010 and headquartered in San Francisco with a Paris regional office, is a cloud-based business management and accounting SaaS platform that serves three distinct customer segments. Its primary product is an all-in-one SMB platform combining accounting, invoicing, inventory, and CRM with AI-powered bank feed synchronization that automates 95% of accounting entries. Pricing is subscription-based, ranging from $9/month (SELF, 1 user) to $169/month (UNLIMITED), with parallel pricing in euros for the French market and a 50% accountant discount tier. The platform is available via self-serve (Google Apps Marketplace, Chrome Web Store, web/mobile apps with a 30-day free trial), through accountant channel partners (BDO France, France Defi, Emargence, Censial Group), and as a white-label embedded solution inside enterprise banking portals.
The company's most strategic business line is its API-driven "Business Assistant as a Service," which is embedded directly inside the SMB banking portals of Lloyds Banking Group (UK) and BNP Paribas' Mabanquepro portal (France). Through these partnerships, OneUp has acquired 145,000+ users via BNP Paribas in under two years and processes over €125,000 billion in transactions through its AI engine. The proprietary Business Assistant technology provides AI-categorized transactions at a 95% accuracy rate (Forbes AI benchmark #1 ranking), financial performance reporting, cash flow forecasting, invoicing, bill payment with OCR receipt scanning, and a Smart Advice recommendation engine that banks use to cross-sell financial products to SMBs in real time. The REST API (v1.0) with OAuth2/PKCE authentication enables partners and developers to integrate OneUp's capabilities.
OneUp makes money through two primary revenue streams: (1) recurring SMB SaaS subscriptions ranging from $9 to $169 per month, sold via product-led growth and accountant channels, and (2) embedded licensing/usage-based revenue from bank and partner APIs. The company has raised a disclosed $2M in 2016 from Altos Ventures and XAnge, plus £1.5M in February 2025 from Midlands Engine Investment Fund and Mercia Ventures. As of February 2025 the company reported £2.7M in ARR, with 800K+ installed users across 50 countries and 11-50 employees.
OneUp firmographics
Firmographics- Name
- OneUp
- Legal name
- OneUp
- Website
- https://oneup.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- OneUp is a cloud-based accounting and business management SaaS platform that serves SMBs via direct subscriptions, accountants via channel partnerships, and enterprise banks (Lloyds, BNP Paribas) via white-label API-embedded Business Assistant deployments, with AI-powered automation at its core.
- Ownership category
- akta.pro rank
OneUp industry classification
Industry- Product category
- Cloud Accounting Software
- NAICS
- Software Publishers (5132)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Embedded Tax, Accounting & Invoicing Finance (FSAGALAJ)
- akta.pro secondary industries
- Intelligent Document Processing (IDP) & OCR Automation (HDAEAHAC), Retail ERP (Merchandising, POS Back Office) (HDAEAEAD)
Keywords
Where OneUp is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
OneUp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- SaaS Subscription (SMB): Monthly subscription plans ranging from $9 to $169 per month based on number of users. Includes all features. 30-day free trial available.
- Banking API/Embedded Licensing: API-based white-label deployment for banks (Lloyds, BNP Paribas) where OneUp technology is embedded in bank portals. Revenue likely from licensing or usage-based fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | SELF: $9/month for 1 user, no support |
| Subscription | Monthly | PRO: $19/month for 2 users with 1-on-1 support |
| Subscription | Monthly | PLUS: $29/month for 3 users |
| Subscription | Monthly | TEAM: $69/month for 7 users |
| Subscription | Monthly | UNLIMITED: $169/month with unlimited users |
| Subscription | Monthly | French pricing: SELF €9, PRO €19, PLUS €29, TEAM €69, UNLIMITED €169 |
| Subscription | Monthly | Accountant pricing: 50% discount, bringing per user/account to $5.40/month |
Go-to-market motion4 records
Distribution channels6 records
Marketing channels7 records
OneUp product offering
Product offeringCore offering
OneUp is a cloud-based, AI-powered business management platform that combines accounting, invoicing, inventory, CRM, cash flow forecasting, and VAT filing in a single system for small and medium-sized businesses. It is also delivered as an API-based white-label "Business Assistant" embedded inside bank online portals for SMB customers.
Product overview
OneUp is a cloud-based all-in-one business management platform for SMBs that combines accounting, invoicing, inventory, and CRM in a unified system. The core product portfolio includes: Business Assistant (AI-powered conversational banking/business assistant for white-label bank deployments), Accounting Software (bank-synced automated accounting at 95% automation rate), Invoicing Software (quote-to-cash workflow), Inventory Software (automatic stock management), and CRM Software (lead/opportunity management). Additional modules include Smart Advice (real-time cross-sell engine for banks), Cash Flow Forecast (AI predictive forecasting), VAT Filing (HMRC digital submission), and a REST API for developer integration. The platform is available as direct SMB subscription or white-labeled by major banks like Lloyds and BNP Paribas.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Assistant (White-label Banking Assistant) Embedded banking assistant for bank SMB portals providing AI-categorized transactions, financial performance reports, cash flow forecasting, invoicing, bill payment, and Smart Advice cross-sell prompts. Sold to retail/commercial banks and digital banks.
- OneUp Accounting Software Automated cloud accounting that syncs with bank accounts and automatically processes 95% of accounting entries with 95% accuracy. Includes transaction categorization, bank reconciliation, financial reporting, and tax-ready books for SMBs and accountants.
- OneUp Invoicing Software Quote-to-cash invoicing with customizable templates, payment tracking, overdue alerts, automated sales tax identification, and Square POS integration for automatic sales sync.
- OneUp Inventory Software Automated inventory management with automatic stock-level adjustments, reorder alerts, multi-location support, CSV import, and automatic posting of inventory movements to accounting.
- OneUp CRM Software Customer relationship management for lead tracking, opportunity management, call and task logging, quote creation, sales pipeline visualization, and automated follow-up email reminders.
- OneUp Cash Flow Forecast AI-driven predictive cash balance forecasting combining bank feeds, AI predictions, won quotes, outstanding invoices, and bills. Customizable per client.
- Smart Advice Real-time cross-sell and up-sell recommendation engine that triggers personalized financial-service messages inside bank portals based on customer data, dates, and forecasts.
- OneUp VAT Filing (HMRC Making Tax Digital) Direct digital VAT submission to UK HMRC compatible with the Making Tax Digital service, available to UK-based OneUp customers.
- OneUp REST API (Developer Platform) Public REST API (v1.0) enabling developers and partners to build or automate accounting, invoicing, inventory, CRM, and banking features. Supports API key and OAuth2 (Authorization Code, PKCE, Client Credentials); 3600 calls/15-min rate limit; SSL-only.
- OneUp Mobile App Native mobile application offering the full OneUp feature set (accounting, inventory, invoicing, CRM) on smartphones and tablets.
- OneUp Accountant Software (Accountant Branded Portal) White-labelled client portal for accountants and bookkeepers to manage multiple SMB clients with custom branding, automated accounting validation, and tax report preparation at a discounted per-user rate.
Quantifiable outcome
- 95% of accounting entries processed automatically
- +4 more outcomes
Companies that use OneUp
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
OneUp technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability8 records
Feature7 records
OneUp partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered major, flagship and core.
- GooglemajorMajor partner with Google Apps. Listed on Google Apps Marketplace with 700K+ installations. OAuth integration for sign-in. Recognized as fastest growing online accounting software on Google Marketplace.
- SquaremajorIntegration partner for POS and inventory synchronization. OneUp synchronizes with Square POS to automatically update sales and inventory in accounting.
- Lloyds Banking GroupflagshipEnterprise white-label partnership embedding Business Finance Assistant in Lloyds online banking portal for SMB customers. Implemented in weeks with neo-banking approach to gain SMB market share.
- BNP ParibasflagshipMajor white-label partnership embedding Mon Business Assistant in Mabanquepro portal. 145K+ users in less than 2 years. 125,000+ billion euros processed by OneUp AI.
- BDO FrancecorePartnership with BDO France accounting network. BDO offers OneUp to clients as digital accounting solution. Partnership enables BDO to differentiate with innovative, digital service.
- France DeficorePartnership with France Defi collaborative accounting network. OneUp recognized as one of most innovative and performant platforms tested, with intuitive interface and robust technology.
- EmargencecorePartnership with Emargence for TPE/PME clients. OneUp enables digitalization of accounting activities with efficient, flexible tool.
- Censial GroupcorePartnership with Censial Group for collaborative accounting. No initial investment required; Censial operational immediately with OneUp migration support.
Scale indicators11 records
Recent moves6 records
Expansion highlights6 records
OneUp competitors and assessment
Company assessmentDirect peers
- Xero: Xero is a leading cloud SMB accounting platform with bank feeds, invoicing, inventory and accountant tools. Directly comparable to OneUp on SMB cloud accounting, though Xero focuses on direct SMB/accountant sales while OneUp leans into bank-embedded distribution.
- Intuit QuickBooks: QuickBooks is the dominant cloud accounting suite for SMBs with bank feeds, invoicing, inventory, payroll and AI-assisted categorization. Direct competitor on SMB automated accounting; vastly larger scale and distribution.
- Sage: Sage provides cloud accounting/ERP for SMBs and accountants (Sage Intacct, Sage Business Cloud). Comparable bundled ERP/accounting capability plus strong UK/European SMB footprint similar to OneUp's UK-France focus.
- FreshBooks: FreshBooks targets service-based SMBs with invoicing, expenses, time tracking and light accounting. Directly comparable at the lower end of OneUp's SELF/PRO tier on pricing and SMB use cases.
- Wave Accounting: Wave offers free/low-cost cloud accounting, invoicing and receipt scanning for SMBs. Overlaps with OneUp on self-serve, low-friction SMB accounting and accountant-friendly workflow.
- Bonsai: Bonsai is an all-in-one SMB platform with invoicing, accounting, proposals and CRM for freelancers and small businesses. Directly comparable to OneUp's SELF tier on feature breadth and target customer.
Emerging players
- Pleo: Pleo combines SMB corporate cards with automated expense capture and accounting integrations. Partial overlap with OneUp's bill pay, OCR receipt capture and bank feed automation; targets European SMBs similar to OneUp.
- Brex: Brex is a fintech providing SMB banking, cards and AI-powered accounting automation. Comparable on AI-augmented SMB finance workflows and bank-embedded distribution ambitions similar to OneUp's Lloyds/BNP partnerships.
- Holvi (by BBVA): Holvi is a BBVA-owned digital business banking account with built-in accounting, invoicing and expense tools for SMBs and freelancers in Europe. Conceptually similar bank-embedded SMB finance experience to OneUp's white-label bank portals.
Others
- Plaid: Plaid provides bank-data aggregation and connectivity infrastructure used by virtually all SMB accounting platforms. Enables the same bank feed and transaction categorization capabilities that are central to OneUp's AI automation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
OneUp social profiles
Digital presenceOneUp financial estimates
Financial estimateRevenue estimate
Valuation estimate
OneUp leadership team
Management profileNumber of profiles
Profiles1 record
OneUp funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OneUp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about OneUp
What does OneUp do?
OneUp is a cloud-based, AI-powered business management platform that combines accounting, invoicing, inventory, CRM, cash flow forecasting, and VAT filing in a single system for small and medium-sized businesses. It is also delivered as an API-based white-label "Business Assistant" embedded inside bank online portals for SMB customers.
Is OneUp a public or private company?
OneUp is a private company. It is classified as venture growth investor backed and is currently operating.
When was OneUp founded?
OneUp was founded in 2010. It employs 11 to 50 people.
Where is OneUp based?
OneUp is headquartered in San Francisco, United States, in the North America region.
How does OneUp make money?
Two revenue lines are on record. SaaS Subscription (SMB) is the primary driver. The others are banking API/Embedded Licensing.
Who are OneUp's main competitors?
Direct peers on record are Xero, Intuit QuickBooks, Sage, FreshBooks, Wave Accounting and Bonsai. Emerging players are Pleo, Brex and Holvi (by BBVA). Plaid is listed as an others.
Does OneUp have an API?
Yes. REST API (v1.0) enabling developers to build or automate accounting, invoicing, inventory, CRM, and banking features. Supports API key and OAuth2 authentication (Authorization Code, PKCE, Client Credentials flows). Rate limited to 3600 calls per 15-minute window. Pagination defaults to 100 items. Resources include Customers, Vendors, Products/Services, Projects, Sales Orders, Purchase Orders, Quotes, Invoices, Vendor Bills, Payments, Credit Memos, Accounting Transactions, Journals, Bank Accounts, Bank Entries, Accounts, Taxes, Currencies, Units. API is SSL-only. Developer documentation is at developers.oneup.com.
What industry is OneUp in?
OneUp's product category is Cloud Accounting Software. Its primary akta.pro industry code is FSAGALAJ, Embedded Tax, Accounting & Invoicing Finance, with a secondary code of HDAEAHAC, Intelligent Document Processing (IDP) & OCR Automation. Its NAICS code is 5132 and its SIC code is 7372.