Kenya's small businesses are trapped between two systems that don't talk to each other. Paper ledgers can't unlock formal finance. Phone-data lenders can't see your real business.
We lead with accounting because it's lower-risk to build, stickier to keep, and produces the proprietary data that makes everything else work.
The mobile-first bookkeeping app for Kenyan SME realities.
Accounting data unlocks better credit — not phone data, not guesswork.
The financial operating system for East African small businesses.
Designed in Westlands, tested in Gikomba. Not a QuickBooks port — a tool that meets a kiosk where it is.
Every payment in or out becomes a double-entry ledger row. Tap to confirm, or let the engine categorise it.
Every receipt KRA-stamped automatically. The mandate that's killing other shops becomes a one-tap formality.
Watch your score climb as your records get cleaner. It's gamified compliance — and it unlocks bigger loans.
P&L, balance sheet, cash flow — exportable, accountant-readable, lender-acceptable.
40% of Kenyans on feature phones aren't excluded. Dial *483# from any Nokia and the ledger still works.
Send invoices, receipts, and statements where your customers already are. No PDFs, no email, no friction.
Start free. Connect M-Pesa. Watch your credit score climb. When you're ready for capital, M-Penny knows you can pay it back.