Track Every Naira. Grow With Confidence.
Finally Know Where Your Business Money Goes.
Track sales, expenses, customer debts, inventory, invoices and cash flow from one simple dashboard built for African SMEs.
No Accounting Knowledge NeededMobile FriendlySecure Cloud Storage
Good morning
Amina Stores
Sales
NGN 620k
Expenses
NGN 214k
Profit
NGN 184k
Cash
NGN 428k
Weekly sales
Customer debts
4 reminders ready to send
Common headaches
Running A Business Is Hard Enough.
Customers owe you and you forget to follow up.
Business and personal money are mixed together.
Stock disappears without explanation.
Expenses are not properly tracked.
End-of-month calculations are stressful.
One calm dashboard
Everything Your Business Needs In One Place.
01
Record Sales
Capture daily sales in seconds and keep every branch in sync.
02
Track Expenses
Know what leaves the business before small costs become leaks.
03
Manage Customer Debts
See who owes you, how much, and when to follow up.
04
Create Invoices
Send clean invoices that make your business look established.
05
Manage Inventory
Track stock movement and spot fast-selling products.
06
Business Reports
Understand profit, cash flow, and trends without spreadsheets.
07
WhatsApp Reminders
Follow up debts, invoices, and confirmations where customers already are.
08
AI Business Insights
Get plain-English suggestions from your business activity.
Product demo
See SME MoneyBook In Action
Today at a glance
NGN 428k
Sales up 18%
Expenses steady
Cash available healthy
Benefits
Why Business Owners Love SME MoneyBook
Save Time
Reduce Financial Stress
Stay Organized
Understand Your Profit
Follow Up Customers Faster
Make Better Decisions
Trusted by growing businesses
Built For Real Shops, Stores, And Teams.
"I finally know what I sold, what I spent, and who still needs to pay me."
Amaka E.
Fashion Seller
"The stock view helps me catch shortages early. My weekly planning is calmer now."
Tunde A.
Mini-Mart Owner
"Expenses used to disappear in chats and notebooks. Now everything is in one place."
Blessing O.
Restaurant Owner
"Debt reminders on WhatsApp save me awkward calls and help customers pay faster."
Musa I.
POS Operator
How it works
Get Started In Minutes
Create Account
Open your free account and add your business details.
Record Transactions
Capture sales, expenses, debts, invoices, and stock movement.
Track Business Growth
Use simple reports to see what is working and what needs attention.
WhatsApp advantage
Built For How African Businesses Operate
Send invoices, debt reminders, and payment confirmations through the channel your customers already use every day.
Invoice sent
Hi Ada, here is your invoice for today's order.
Debt reminder
Good afternoon. Your balance of NGN 18,500 is due tomorrow.
Payment confirmed
Thank you. Your payment has been recorded.
Simple pricing
Choose The Plan That Fits Today.
Free
For testing the basics
NGN 0
per month
- Daily sales tracking
- Expense records
- Basic dashboard
Starter
For active small teams
NGN 3,500
per month
- Invoices
- Customer debts
- Inventory alerts
Growth
For businesses ready to scale
NGN 7,500
per month
- Reports
- WhatsApp reminders
- AI business insights
FAQ
Questions Business Owners Ask
Is SME MoneyBook free?
Yes. You can start free and upgrade when your business needs more power.
Do I need accounting knowledge?
No. SME MoneyBook uses simple business language, not accounting jargon.
Can I use it on my phone?
Yes. The experience is mobile-first and works smoothly on modern phones.
Can I track inventory?
Yes. You can monitor items, stock movement, and low-stock alerts.
Can I send invoices?
Yes. You can create invoices and share them with customers.
Is my data secure?
Your records are stored in the cloud with security-first product practices.
Take Control Of Your Business Finances Today
Join the growing community of business owners using SME MoneyBook to track every naira and grow confidently.