DIGITAL BUSINESS BANKING

Know what your business clients need next

Your business clients tell you what they need every day: balances climbing, receivables stretching, payroll growing. Uptiq reads those signals across the whole book and tells your relationship managers which client to call and why, before the loan or the deposit goes somewhere else.

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Intake Agent
Running
Onboarding
Signals 
Engagement
150+
Institutions Trust Uptiq
THE OPPORTUNITY GAP

You hold the operating account and miss the loan

You see every deposit, every payment, every payroll run. No online lender has that. And yet the working capital line gets written somewhere else, the treasury relationship opens somewhere else, and the balances quietly leave, not because the data wasn't there, but because nobody was looking at the account on the day the signal appeared.
The loan you had first claim on
They took a line from an online lender in four days. You'd have approved it if anyone had asked.
Deposits that walked
Balances that moved to another institution across six months, noticed at the quarterly review, gone by then.
Coverage by calendar
Relationship managers working the accounts they know, not the accounts that need something this week.
The shift

From quarterly review to daily signal.

Uptiq doesn't ask you to replace your core or digital banking platform, or to take the conversation away from your bankers. It changes which client they call on Monday, and what they already know when they do. 
The way it works today

You find out at review

Opportunity spotted at the quarterly portfolio review
Bankers work the relationships they know best
Churn identified after the balances have moved
Offers driven by the campaign calendar
The way it works with Uptiq

Your team runs the judgment

Signals surfaced as the behavior changes
Bankers pointed to the account that needs them
Churn risk flagged while the relationship is intact
Offers triggered by what the client is actually doing
On a real application

What an account looks like when someone's watching

The same relationship every business client has with you — now visible from the day it opens. Here's what that looks like from account opening through the conversation that grows it, with your bankers making every call.
Stage 01
Onboarding

What an account looks like when someone's watching 

A business account asks for formation documents, beneficial ownership, and a KYB check, and most of it gets chased across a week of email while the client's enthusiasm cools. Uptiq collects the documents, runs the verification, and sets up the account while they're still in the conversation. 
Documents collected and chased automatically
KYB verification run in the same session
Account opened with fewer manual touchpoints
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Onboarding
Running
Signals
Running
Stage 02
Signals 

Every account, read every day. 

The sign that a business needs a line of credit shows up in the account weeks before the client asks, receivables stretching, balances tightening, a payroll run growing. Uptiq reads transactions, balances, and engagement behavior across the entire book and ranks who needs a conversation this week. 
Transaction, balance, and engagement behavior analyzed continuously
Growth, lending, and churn signals surfaced as they appear
The whole portfolio ranked by who needs attention now
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Stage 03
Engagement

The right offer, while the window is open

A lending conversation three weeks late is a lending conversation someone else already had. Uptiq matches the signal to the product: credit when cash flow tightens, treasury when volume builds, a deposit product when balances grow, and hands your banker the context. Your team decides what to offer.
Signal matched to the right product
Context and rationale delivered to the banker
Outreach timed to the behavior, not the campaign calendar
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Engagement
Running
Beyond origination

One platform. More lending workflows.

 As your business banking program evolves, extend automation beyond onboarding and engagement into lending, servicing, treasury, and other high-impact workflows, all on the same trusted platform. 
Browse the full agent library
Account Opening Agent
Onboarding Agent
CRE Lending Agent
Equipment Finance Agent
SBA Lending Agent
Offer & Upsell Agent
Build your own
Deposit Operations Agent
Fraud Review Agent
Collections Agent
Portfolio Review Agent
Renewal Agent
Covenant Check Agent
Servicing Agent
Why it holds up in production

Every agent runs on Qore.

The same foundation reads your documents, reads behavior the way a banker does, works within your product set and engagement rules, and connects to your systems, so one dashboard becomes a way of running the book. 
Document AI
Reads every document.
Formation documents, beneficial ownership, and KYB files read at 95%+ accuracy.
Financial Skills
Knows the work.
Cash flow, balance trends, and payment behavior, read the way business bankers read them.
Knowledge
Bound to your policies.
Every agent works from your product set and engagement rules, and only those.
Integrations
Fits your stack.
Core, digital banking platform, and CRM connected through 100+ integrations.
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Proof, not promises

Measured on live SMB lending. 

15%
Higher product-per-client ratio
20%
Annualized deposit growth
2×
Higher SMB client retention
95%+
Document accuracy
Basis: aggregate results across Uptiq deployments in commercial and small business lending.
150+
financial institutions already run on Uptiq
SOC 2 Type II
Independently audited security controls.
NIST AI RMF
Aligned to the federal framework for trustworthy AI.
Your policies, enforced
Agents work from your approved knowledge and permissions. Your data stays yours.
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FAQ's

Frequently Asked Questions

What is Uptiq's Digital Business Banking solution?

What types of SMB signals does Uptiq analyze?

 How does Uptiq help relationship managers?

Can Uptiq identify lending opportunities?

How long does deployment take?

Start with one workflow

See what your next agent could do.

Bring us the workflow with the most drag. We’ll show you an agent running it.

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