Everything a financial institution needs to serve commercial customers — from onboarding to lending, treasury, and trade finance.
Digital KYB onboarding for sole traders, SMEs, and corporates. Automated director checks, beneficial ownership verification, and compliance documentation — all digital, all fast.
SME and corporate loan origination with configurable credit policies, collateral management, automated covenant tracking, and digital disbursement.
Multi-account cash pooling, notional pooling, and automated sweeping for corporate treasuries. Real-time liquidity visibility across all business accounts.
Expense management cards with configurable spend limits, merchant category controls, and real-time transaction feeds — fully integrated with business account reporting.
Letters of credit, bank guarantees, and trade loan products with digital document management, automated compliance checking, and status tracking.
Cash flow forecasting, receivables and payables ageing, business financial health scoring, and relationship manager dashboards for commercial portfolio oversight.
One commercial banking platform that scales from sole traders to large corporates — with automation and a relationship-manager-first experience built in.
YouBank Business Banking scales from sole traders and micro-businesses through to large corporates. One platform, configurable product sets, adaptable credit policies — no need for separate systems at different tiers.
Business onboarding is notoriously slow and manual. YouBank automates director checks, beneficial ownership mapping, document verification, and compliance screening — reducing onboarding from weeks to hours.
Every commercial customer gets a 360° view — account balances, loan exposure, trade finance facilities, card spend, and engagement score — in a single dashboard designed for relationship managers, not just back-office teams.