Banking, payroll, accounting, and compliance, unified for the way small businesses actually work. Stop duct-taping five tools together.
Connect your accounts, onboard your team, and automate your back office — all from a single dashboard. OneCo handles the complexity so you don't have to.
Request an AI summary of OneCo
Everything your business needs. One platform.
Stop juggling eight different tools. OneCo puts your entire back office in one place.
Banking
FDIC-insured business accounts with no hidden fees. See your cash position in real time, send payments, and manage cards from one dashboard.
Payroll
Run payroll in minutes, not hours. Automatic tax calculations, direct deposit, W-2s, 1099s, and compliance handled for every state you operate in.
Accounting
Invoicing, expense tracking, chart of accounts, and reconciliation that syncs automatically with your banking. No more spreadsheets.
Taxes
Estimated quarterly taxes calculated automatically. Know exactly what you owe, when it's due, and file directly from the platform.
Business Credit
Build a real business credit profile from scratch. Step-by-step roadmap, vendor recommendations, and real-time monitoring across D&B, Experian, and Equifax.
Insurance
Compare and manage business insurance policies in one place. General liability, professional liability, workers' comp, and more.
Capital
Access funding when you need it. Lines of credit, term loans, and revenue-based financing matched to your business profile and credit score.
Documents
All your business documents organized and accessible. Formation docs, contracts, tax returns, compliance filings, all searchable and secure.
Everything in One Login
Banking, payroll, accounting, compliance. One platform. Zero context switching. One bill.
Bank-Grade Security
SOC 2 certified. 256-bit encryption. FDIC-insured accounts up to $250K. Your money, protected.
Real-Time Visibility
Know your cash position, payroll liabilities, and tax obligations at any moment, not just at month-end.
Built for Small Business
Not a watered-down enterprise tool. OneCo is purpose-built for the operational reality of running a small business.
Small businesses across the country run their back office on OneCo.
Having banking, payroll and taxes in one place means I actually know where my business stands at all times. It changed how I make decisions.
Marcus T.
Owner, The Corner Café
"We cancelled four separate subscriptions the week we switched. Everything works together, and our accountant actually thanked us."
Jamie Torres
Owner & Founder
The compliance tools alone covered the cost of the first year. We avoided a filing penalty that would have run us thousands.
David Kim
CEO, Brightpath Staffing
Stay sharp.
Stay funded.
Stay ahead.
Practical guides, real stories, and financial moves written for small business owners, not accountants.
4 minWhy Your Business Needs a Separate Bank Account (Even If You're a Sole Prop)
April 3, 2026
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5 minWhat Happens When You Miss Payroll Tax Deposits, and How to Never Let It Happen
March 28, 2026
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6 minWhy Building Business Credit Is the Most Important Thing You're Not Doing
April 9, 2026
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