verified A Natcrest Holdings Innovation

Your books, taxes and credit — one app.

The all-in-one financial dashboard for Kenyan MSMEs — bookkeeping, eTIMS and credit, without the headache.

Automatic M-Pesa bookkeeping.

Every sale and expense recorded and reconciled for you — no manual entry, no spreadsheets.

eTIMS & KRA returns — on time, every time.

M-Penny prepares your returns and reminds you before every deadline, so you never miss one.

Credit built on your real sales.

Unlock working capital based on the money actually flowing through your books.

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check_circle KRA Approved eTIMS

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payments M-Pesa Integrated

A glimpse of your dashboard

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Today

Sales Total

KES 42,850.00

trending_up +12% from yesterday

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eTIMS Compliance

"KRA Filing Ready for Q3"

Maina's Wholesalers

Verified Merchant

Wallet Balance

KES 142.3k

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M-Pesa Sync

Instant transaction matching. No more manual entry of Lipa na M-Pesa messages.

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eTIMS Ready

Automatically generate KRA-compliant invoices for every sale. Tax season is now one-click.

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Penny AI

Get business insights, low-stock alerts, and financial forecasting personalized for your shop.

Most businesses fail flying blind.

Not because the idea was wrong — because nobody could see the numbers in time. M-Penny is the instrument panel every Kenyan business deserves.

7.4M

small businesses in Kenya

67.9%

can't access formal credit

46%

close within the first year

Up and running before your tea gets cold.

Sign up with your phone

No forms, no fees. Your business name and M-Pesa number — that's it.

Link M-Pesa & invoice

Pull payments straight in and send eTIMS-stamped invoices in seconds.

Watch it grow

Clean books, taxes set aside, and a credit score that opens real loans.

Ready to see every penny?

Join the businesses turning everyday M-Pesa into clean books, painless tax, and real credit.

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7-day free trial · No card required · From KSh 300/mo