Property finance, banking and tax reporting in one calm place, built for landlords, traders and growing businesses.
Property finance, banking and tax reporting in one calm place: Open Banking, direct HMRC filing, invoicing, property compliance and GBP-to-NGN remittances for landlords, traders and growing businesses.
Overview
Olowo brings everything a UK landlord, sole trader or small business owner juggles: bank apps, spreadsheets, accountant software, HMRC filings, invoicing tools and payment chases on WhatsApp, into one calm platform. Users see their full financial picture, manage properties, send invoices, track expenses and file taxes directly to HMRC without needing three different tools and an accountant on speed dial.
What We Delivered
Connect UK accounts via Plaid, Finexer and TrueLayer, plus Nigerian banks via Mono, with consolidated balances, FX conversion and AI-powered transaction categorization.
OAuth 2.0 integration files Self Assessment (SA100, SA103, SA105), VAT returns, Corporation Tax and Charity returns straight to HMRC; obligations and liabilities retrieved automatically.
Portfolio tracking with per-property financial summaries, tax-year breakdowns and compliance deadlines for gas safety, EPC and insurance.
Complete invoice lifecycle from draft to paid: recurring invoices, credit notes, quotes that convert, PDF generation, email delivery and client records.
International transfers via Mito with live exchange-rate quotes, beneficiary management and a full transaction ledger, built for the Nigerian diaspora in the UK.
Five role levels from Owner to Viewer with granular permissions, passkey/WebAuthn login, two-factor authentication and AES-256-GCM encrypted token storage.
UK landlords and self-employed workers juggle multiple bank apps to see their money, track property income in spreadsheets, file Self Assessment and VAT manually through Gov.uk, and only discover their tax position at deadline season. Nothing talks to anything else.
We built Olowo as a unified financial operating system: Open Banking connections across UK and Nigerian banks, direct HMRC integration for Self Assessment, VAT and Corporation Tax, a full invoicing lifecycle, property portfolio tracking with compliance deadlines, and GBP-to-NGN remittances for the diaspora. AI-powered categorization keeps the books tidy automatically.
Technology
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