SME News UK Finance Awards 2026Leading AI Procurement and AP Automation Platform
The intelligence layer for multi‑site operators
You pay the total. We check every line inside it.
OmniPATH sits between your suppliers and your books. Nine agents read every invoice, delivery, statement and bank line, find the money you’re losing and tell the right person what to do, with the evidence attached. Nothing reaches your accounting system until it’s right.
Fraud and duplicates agent asks Is this invoice real, and is it the only one?
96% hidden to 99% seen.
At day zero, 96% of this operator's spend was a total on a bill, or a total split only for VAT: no products, no category, nothing anyone could check. Today 99% of the spend OmniPATH reads sits in a line, in one of 115 categories. That's what makes price drift, VAT, duplicates and fraud visible in the first place.
- No lines
- Split for VAT only
- Undetermined
- Full detail
- 0%of spend records had a category
- 1.4%of spend had full line detail
- 62.9%of the year's ledger was a bill total with no lines
- 99.6%of lines read sit in a category
- 115categories in use, each mapped to a GL code
- 0.4%of lines still waiting for a category
Your accounting system still holds last year as totals. From go-live, every bill OmniPATH approves goes back to it coded. How the gate works
Different bases, both shown as they are: day zero is the profiled ledger spend over the 12 months to 10 Sep 2026; today is the line spend OmniPATH has read since. Hidden means a bill total, or lines split only by VAT rate. How we measured this
10.2% of the spend we’ve seen came back as value found.
One single-site operator, nine months, with only invoice capture switched on: no purchase orders, no bank matching and no approval rules yet. Here’s where the value sits, what’s at stake in VAT and what’s flagged for a person to investigate.
- Overpaid4.1% of spend seen
- Negotiable3.5% of spend seen
- Time freed2.7% of spend seen Modelled
From the records alone, before modelled time: 7.6% of spend seen. Not counted: late-payment interest (1.0%) and paying too early (0.3%), which are what-ifs.
payments that look like duplicates or fraud, flagged for a person to investigate
Counted nowhere until a person confirms- 68products caught drifting up in price
- 50price spikes detected, 49 still live
- 181products bought often enough to negotiate volume pricing
of invoices needed a human fix before they were fit for the books.
See the gateof spend seen is VAT at stake on lines where the rate didn't match what was bought. Keyed as it stood, that's VAT paid and never reclaimed, or reclaimed and owed back to HMRC.
4.0% already actioned · 4.6% still openA single-site hospitality operator · Documents Jan to Oct 2026 (invoices dated Jan 2025 to Oct 2026) · read 23 Oct 2026. Bands follow the ROI module's dimensions; time freed is modelled at the declared rates. VAT at stake and spend flagged for investigation sit outside value found. How we measured this
What the same rates would find for you.
We took the live operator’s value per pound of spend and applied it to your size. It’s a model, not a promise. It leaves out what-ifs, VAT at stake and spend flagged for investigation. It also leaves out multi-unit gains like comparing prices across units, because we haven’t measured them on a live customer yet. A unit is whatever you run: a site, a hotel, an office or a team.
- Units
- 30
- Annual spend
- £6.00m
- Invoices a year
- 20,928
- OverpaidPrice drift and price spikes against what was paid before£244.4k
- NegotiableVolume tiers and price swings worth renegotiating£209.1k
- Time freedKeying and fixing invoices, at £24.63 an hour£204.7k
Modelled from one live operator's rates per pound of spend seen (read 23 Oct 2026), scaled by spend and by that operator's invoice rate of about 3.5 invoices per £1,000 of spend. A unit is whatever you run: a site, a hotel, an office or a team. What-ifs (late-payment interest, paying early), VAT at stake and spend flagged for investigation are left out, and so are multi-unit gains such as comparing prices across units, which aren't measured on a live customer yet. Plan cost uses published monthly rates. See the live numbers
Every cost line is going up. The money is in the lines.
Energy, labour, food, materials and fraud are rising in every sector we serve. New law on payment and invoicing is on the way. These are the pressures the agents were built around, with the sources.
Cornwall Insight estimates a small industrial customer's gas bill rose about 60%, and electricity about 20%, between the end of February and the end of March 2026.
Price agent and spend insights read utility and service bills line by line, so a tariff change shows up the month it lands.
Cornwall Insight via British Gas Business, May 2026Authorised push payment fraud losses rose 19% in 2025. Invoice and mandate fraud, where a supplier's bank details are swapped, is one form of it.
Fraud and Supplier risk agents hold any payment to changed bank details until the account is verified again.
UK Finance Annual Fraud Report 2026, 15 Jun 2026The National Living Wage rose to £12.71 in April 2026, on top of the 2025 rise in employer National Insurance, in every sector at once.
Capture and approvals turn an invoice into a coded purchase without rekeying, so people only touch the exceptions.
Low Pay Commission · HMRC, 2025 and 2026Construction materials rose 6.4% in the year to August 2026, with structural steel up 21.2%. Food inflation is forecast to reach 6.4% by July 2027.
Price agent checks every rise against what you agreed and what you paid before.
DBT via BCIS, 8 Oct 2026 · FDF, 9 Sep 2026The Small Business Protections Bill caps payment terms at 60 days for large firms paying smaller suppliers. Every VAT invoice must be an e-invoice from 1 April 2029.
Payments agent and Capture show what's due and late before interest builds up, and already read e-invoices.
DBT · ICAEW, May 2026 · HMRC, Jun 2026Nothing reaches your books until it’s right.
OmniPATH is the gate between your suppliers and your accounting system. Every document is validated, cleaned and enriched on the way in, so your books only ever receive bills that are approved, coded and evidenced. Better data in means better books, better VAT returns and agents with something real to work on.
- 01IdentityIs this a real, verified supplier? Is it the one we think it is?
- 02DuplicatesHave we seen this invoice, or this supplier, before?
- 03VATIs the rate right for what was bought?
- 04Maths and datesDo the lines add up, and is the date real?
- 05Lines and codingIs every line read and coded to the right account and unit?
Every document is checked for identity, duplicates, VAT rate, maths and dates before it can be approved. Problems are held with a named reason and one fix.
Duplicate supplier records are flagged before they split your spend. Products are matched across suppliers and merged, dry-run first and reversible, so one product has one price history.
Header-only bills get their lines and every line gets a category mapped to your GL code. Suppliers are verified against Companies House, HMRC and their bank.
Only approved, coded and evidenced bills are written back to Xero, Sage or QuickBooks. Sync health tells you the moment a connection fails.
of profiled spend belonged to suppliers keyed under more than one name: one retailer four ways, a food supplier twice, another with a typo.
supplier contacts in the accounting system carried no spend in the sealed year. Every dormant record is a door left open.
of a year's ledger spend was a total on a bill. The largest supplier, nearly a third of profiled spend, had no lines at all.
of spend seen is VAT at stake on rate mismatches. The customer has already actioned 4.0%; 4.6% is still open.
of the year's bills carried a date still in the future when the baseline was sealed. Each one pulls spend into the wrong period.
of profiled spend went to supermarkets, outside any agreed price or catalogue.
From the sealed day-zero epoch of one live single-site hospitality operator (sealed 10 Sep 2026, covering the previous 12 months) and the findings read on 23 Oct 2026. Supplier groupings are our reading of the sealed spend records. How we measured this
Nine agents. Each asks a question you need to ask.
OmniPATH asks it across every invoice, delivery, statement and bank line. When the answer is wrong you get one finding: what happened, why it matters in pounds and the one thing to do.
Ask the business a question. Get the answer.
LEDGE answers from your own spend, suppliers, prices, invoices, credits, deliveries and approvals, with the rows each answer came from. It can draft and propose. A person confirms.
- Rows, not a dashboardEvery answer shows the lines it was computed from, ready to export to a report.
- Drafts, never sendsCredit queries and supplier emails wait for your confirmation.
- Sees what you can seeScoped to your role and your organisation, and never used to train a model.
Three suppliers raised prices on lines you buy every week, Jul to Sep 2026:
What an owner opens each morning.
Capture and controls feed six surfaces, one for each side of the mark. They’re where a business sees its gains, its risks and how far it has come. The same numbers serve every page, every agent and LEDGE.
Nine agents ask the questions you need to ask, across every invoice, delivery, statement and bank line. Each answer is one finding: what happened, why it matters in pounds and the one thing to do.
Meet the agentsNever more than twelve decisions, each with one action pair. Anything left too long escalates.
- DecideOne decision, recorded with its inputs
- Worth knowingOne acknowledgement for the batch
- RepeatsBundled weekly, then shown when you next sign in
- Auto-loggedNever notifies; kept in the audit trail
Sealed at go-live, so the number you saw on day one is the number you see a year later.
23 value dimensions, each with its method, its rows and its assumptions on the page.
More on ROI and ValueThe questions the agents keep asking, as pages and as LEDGE answers.
More on InsightsFinancial, category, budget and processing views that load card by card.
More on Analysis dashboardsAI finds it. Your rules decide it.
Agents raise, hold and route. They never approve on judgement, mark anything paid or change a supplier’s status. Each of those goes through one checkpoint that needs evidence or a person.
An invoice approves itself only when it matches an order and a checked delivery within your tolerance. Everything else waits for the right person.
Paid means a bank line, an ERP record or a person said so. Never an AI guess.
New and changed suppliers are checked with Companies House, HMRC, a bank modulus check and Confirmation of Payee before they can be paid.
Delivery state comes from the receipt records, so there's no tick box that can drift from what arrived.
A single-site hospitality operator · Documents Jan to Oct 2026 (invoices dated Jan 2025 to Oct 2026) · read 23 Oct 2026. How we measured this
Seven steps, from a verified supplier to the ledger.
Ordering, invoices, approvals and payments are table stakes. OmniPATH does them properly, and it starts before the first order: every supplier is verified and de-duplicated, so everything after it runs on clean data.
Other tools hold the transactions. OmniPATH holds the judgement too.
Most spend software records what happened. OmniPATH checks whether it should have, and can show what that check was worth.
| P2P and AP automation | ERP finance module | Industry purchasing platforms | OmniPATH | |
|---|---|---|---|---|
| What it captures | Invoices you route to it | Journals you post | Orders placed through it | Invoices, orders, deliveries, credits, supplier statements, bank and ERP statements, cards and expenses |
| What it knows | Whether the workflow finished | Whether the ledger balances | What you ordered | Whether you paid the agreed price, it arrived, the credit came, the bank matched the ERP and the supplier is safe |
| Who does the thinking | Your approvers | Your accountant | Your buyers | Nine named agents, continuously, with a person on every step that can't be undone |
| Where control lives | Routing rules | Posting rules | The catalogue | One checkpoint each for approval, payment, supplier status and receipt |
| What reaches your books | Whatever was approved | Whatever was keyed | Order totals | Only bills that passed the gate: validated, coded and evidenced |
| What you see | A queue | A trial balance | A basket | One finding: what happened, why it matters in pounds, what to do |
Six short steps. Your suppliers appear before you type a thing.
OmniPATH reads the data you already have. Most steps take a couple of minutes, and the rest happens in the background while you get on with your day.
You get a sealed day-zero baseline, so every saving after it is measured against a fixed starting point, not a moving average.
The practical details.
Does OmniPATH replace my accounting software?
No. Your accounting system stays the ledger. OmniPATH is the gate in front of it: every document is validated, cleaned and coded first. Only approved, evidenced bills are written back.
Can the AI approve or pay anything?
Agents raise, hold and route. An invoice only approves itself when your rule allows it and the evidence is attached: a matching order and a checked delivery within your tolerance. Nothing is marked paid without a bank line, an ERP record or a person.
Where do your numbers come from?
From a live customer's own records, read on a stated date, with a named query behind each figure. We label what's measured, what's modelled and what's still waiting for a person to confirm.
Do you compare my prices with other customers?
No. The Price agent checks your agreed prices and your own history; ONS category benchmarks appear in Insights. Your data isn't used to benchmark anyone else.
Which accounting systems do you connect to?
Xero, Sage and QuickBooks are live, reading and writing. OmniPATH reads your invoices, codes and bank activity and writes approved bills and credits back with the right codes. Business Central and MYOB are on the roadmap.
What runs LEDGE, and is my data used for training?
LEDGE runs on Anthropic's Claude under a no-training, no-retention arrangement. It sees only what your role can see.
How long does setup take?
A single unit can be live the same day. Multi-unit setups on Plus usually take three to five days.
Bring last month's invoices. We'll show you the findings.
A 30-minute demo on your hardest workflow, from the invoice to the finding to the follow-up.
No setup fees · No minimum term · UK-based support