One account for the financial side of life and business.
It starts with your business, then brings in your family, your clients and your team. And it shows the right service at the right moment.
Business and household money is scattered, and help arrives at the wrong time.
A working platform today, not a slide.
Business core
Invoicing, expenses, bank feeds, ledger, P&L, customers, document upload.
Agent workspace
Accountants manage all their clients in one place.
Household & family
The business owner brings in the family. Joint accounts, loans, cars and bills, with each adult deciding what they share.
Marketplace
The right service at the right moment, through trusted partners.
HMRC compliance
Digital submissions to HMRC for VAT, CIS and Income Tax.
Built and proven inside a working UK accounting practice.
Users include limited companies, sole traders, partnerships and CIS contractors. Built by accountants and shaped by businesses like yours — many features come straight from what our clients ask for.
Every user brings the next.
1. The business owner
Joins for free, with instant access to the marketplace.
2. The family
Joins through them, for free.
3. Clients
Receive invoices from Submit&GO and see what it can do.
4. The team
Subcontractors and employees join, and bring their own families.
Free for every user: registration and marketplace access. Businesses pay only for premium features.
Accountants are another channel, each one a door to many clients. And the same account follows a person from individual to self-employed, to company, to employer.
The right service at the right moment.
Because the account sees the whole picture of a business and a household, it can show people what they actually need, when they need it.
An invoice is paid late
A credit line, invoice finance, or a payment plan your client can accept.
£400 spent at the vet
Pet insurance, vet payment plans and better prices on pet food.
The car breaks down
A hire car right now, breakdown cover and a better car insurance deal.
Insurance renewal approaching
Home, car, business and life cover, compared and renewed in one place.
A ski trip coming up
Flights, travel insurance, ski hire and travel money.
A student in the family
A cheaper student pass, a railcard and a student bank account.
A new school year
School uniform, supplies and a laptop at better prices.
Endless possibilities
Every moment of business and family life, in one account.
A huge starting market, and regulation pushing it online.
3 in 4 have no employees.
Every business owner brings one in.
From £50k income in 2026 down to £20k by 2028.
Required for all VAT invoices between businesses.
Sources: DBT Business population estimates 2025; ONS Families and households in the UK 2025; HMRC / ICAS on MTD for Income Tax; ACCA on Budget 2025 e-invoicing.
The software brings users in. The financial activity around them creates the revenue.
We are not another subscription accounting package. The core brings people in, and every user brings the next. Revenue comes from partners who want to reach them at the right moment.
Subscriptions
Free user registration, then low-cost business plans and agent plans priced by client count.
Payments
Transaction fees on HMRC, supplier and invoice payments, through regulated partners.
Marketplace & partners
Introducer commissions and referral fees from insurance, lending, travel and comparison partners.
Distribution & integrations
Platforms with large user bases, e-invoicing and APIs for businesses and accountants.
We partner rather than build regulated infrastructure ourselves — keeping the capital needed to prove the model low.
Built around real lives and real businesses.
Shaped by the people who use it.
Beyond the UK? Why not. Invoicing, expenses, documents and payments work anywhere — the UK is our first market, not our limit. Tell us where you would like to see us next →
- Domain expertise. Founded by the team behind a UK accounting practice handling bookkeeping, payroll, VAT, Self Assessment and CIS.
- Shaped by our users. We build what our clients ask for — so they can manage their whole financial admin in one place, instead of jumping between many different websites and apps.
- Context, not ads. The account shows when a service is genuinely needed, which no comparison site can see.
- Every user brings the next. Families, clients, subcontractors and employees join through the business owner, and accountants bring their clients.
From business account to one account for life and business.
Invoicing & accounting
Live core platform and agent workspace.
Individuals & households
The business owner brings in the family, and the account follows people from personal finances to a growing company.
HMRC & compliance
Digital submissions to HMRC for VAT, CIS and Income Tax, plus smart receipt recognition.
Services & payments
The right service at the right moment, through partners, plus HMRC and supplier payments.
The people behind Submit&GO.
Entrepreneur who started his first businesses at 19 and has run a UK accounting practice since 2006, supporting small businesses, sole traders and landlords with bookkeeping, payroll, VAT and tax. Founded ACS Liberty Group and built its first cloud accounting system in 2012, which grew to thousands of users. Combines hands-on practice experience with product design. Leads product and strategy at Submit&GO.
Co-founder with a background in teaching children with special educational needs and in international relations, and experience across the public and private sectors. Since 2009 she has grown ACS Liberty Group alongside Attila into one of the best-known accounting practices in London's Hungarian community, building lasting relationships with more than a thousand clients. Leads customer relations at Submit&GO.
Senior backend and cloud engineer with 17 years of experience, including tech lead roles on SaaS, integrations and e-commerce platforms. Built the new Submit&GO platform from the ground up, based on the founders' product specification, and leads its development team. Brings deep expertise in APIs, data models, third-party integrations and reliable, scalable cloud infrastructure.
Strategic business and marketing leader with over 20 years of international experience driving growth, business transformation and high-value partnerships across Fortune 500 companies. Combines extensive corporate leadership experience with a growing focus on venture capital, private equity and family office engagement. Leads strategic partnerships and investor relations at Submit&GO.
Our core team is supported by the team of our sister accounting practice, ACS Liberty Group, and by our advisors.
Reach people at the moment they need you.
We are looking for partners first. Strategic investment is welcome from partners who also bring markets or distribution.
Talk to us about partneringStrategic investors: request the deck.
Details of any investment opportunity are shared only with investors who confirm they qualify under UK financial promotion rules. Meeting us at Web Summit? Book a slot in the Web Summit app or ask at our stand.
Email us with your name and which of these applies to you:
This page is for information only and is not an offer of shares. Capital at risk.