🚀 Trusted by 5,000+ Nigerian Businesses

Run Your Entire Business Smarter.

Kredo helps you to Simplify your business operations with tools that make inventory, sales, orders & customer management easy.

★★★★★ 4.9/5 (5,000+ Businesses)
•
100% Free to Start
•
No Credit Card Required
Live Business Feed • Realtime Synced
Payment Received • ₦245,000.00
Settled
Fatima Al-Hassan • Boutique • Bank Transfer
Automated WhatsApp receipt delivered
Sales Performance • ₦4,850,000
+28.4%
Daily Revenue Target • 84% of Monthly Target
Purchase Order #0042
Dispatched
14 items restocked • ₦380,000
Monthly P&L Statement
PDF
Net Profit: ₦1,240,500
Reconciled
₦1.2B+
Revenue Processed
Verified transactions across Nigeria
36 States
5,000+
Active Businesses
Retailers, SMEs & wholesalers
Tracked
10K+
Invoices Sent
Delivered & reconciled instantly
24/7 Live
24/7
Expert Support
Always online via WhatsApp & call

The Complete Business Toolkit for Serious Entrepreneurs.

Every tool you need to sell, track, invoice, and grow all working together in one place.

Sales & Invoices

Record sales on any device. Create and send professional invoices directly to customers via WhatsApp or PDF.

Buying & Vendors

Manage your suppliers and orders easily. Create purchase orders and track when new stock arrives.

Easy Accounting

Record your profit, loss, and expenses while you sleep. Kredo's intelligent bookkeeping is tailor-made for African SMEs.

Stock & Audits

Keep track of every item you own. Get alerts when stock is low so you never run out of what customers want.

Taxes & Reports

Stop worrying about taxes. Kredo automatically calculates VAT and other taxes for you on every sale.

Multi-Branch Support

Grow to many locations easily. Manage your staff and stock across all your shops in one place.

Every Way Your Customers Pay
All in One Place.

Whether your customer pays by card, bank transfer, or cash Kredo captures it all, reconciles automatically, and shows you one clean total at the end of the day.

Moniepoint
● POS Integrated
Paystack
● Online Payments
FirstBank
● Bank Transfer
Cash Collected
● Physical Vault

All payment channels auto-reconcile. No manual entry. No missing naira.

Daily Cash Collection
Sunday, 09 Oct 2026
Live Sync
Moniepoint POS
Card & contactless
₦420,500.00
↑ 12.3%
Paystack Settlements
Online & link payments
₦125,200.00
↑ 8.1%
FirstBank Transfers
Direct bank deposits
₦64,800.00
↑ 5.4%
Total Collected Today
₦610,500.00
+18.4%
vs yesterday

See Exactly Where Your
Business is Heading.

Kredo reads your sales patterns and shows you exactly where your business is going so every decision you make is backed by real data, not guesswork.

Trend Detection

Identify growth patterns early.

P&L Intelligence

Automated profit forecasting.

Live Forecast Projection
₦45.8M +18.4%
OPTIMAL GROWTH
Market Trend
Steady
Accuracy
98.4%
Confidence
High
LIVE
99.9%
Uptime
Awaiting Payment
Overdue 2d
₦840,000.00
Invoice #INV-2024-082
Sending reminder...
Payment received via Kredo!
Smart Follow-up scheduled

Never Chase Clients
for Payments Again.

Put debt recovery on autopilot. Kredo sends smart reminders on WhatsApp and Email before and after invoices are due so you get paid without the awkward follow-ups.

Scheduled Follow-ups

Automated reminders based on invoice maturity.

WhatsApp Sync

Direct engagement where your customers are.

Manage Every Branch
with Precision.

Run multiple stores or warehouses from one unified dashboard. Synchronize stock across all locations in real time, move products with 1-click inter-branch transfers, and never lose a walk-in sale.

Inter-Branch Transfers

Move stock between stores in one tap with digital transit waybills and receiving sign-offs.

Cross-Branch POS View

When an item runs out at Lekki, your cashier sees instant availability at Ikeja or Abuja.

Isolated Staff Permissions

Cashiers only see and sell products for their assigned store while you view total network numbers.

Automated Restock Alerts

Set branch-specific thresholds so you get notified before best-selling items go out of stock.

Branch Network Operations
Live Sync
All Locations (3)
LEKKI STORE (FLAGSHIP) • 540 SKUs
Healthy Stock
Capacity: 92% ₦3,450,000 In Stock
IKEJA MAIN BR. • 180 SKUs
Low Stock Alert
Threshold Reached (14%) ₦820,000 In Stock
32 units available at Lekki Branch
1-Click Transfer
ABUJA HUB & WAREHOUSE • 720 SKUs
Optimal
Capacity: 86% ₦5,100,000 In Stock
Transfer #TR-4091 Dispatched
50 units moved: Lekki ➔ Ikeja • Approved by Admin
In Transit ⚡

Know Exactly Where Every
Naira Goes.

Record expenses, set team budgets, approve spending with one tap, and trace every kobo so your cash flow stays healthy.

Add Expenses

Record what your business spends money on in seconds.

Smart Budgets

Give your teams a budget and track their spending automatically.

Approve Fast

Approve or reject spending requests from your phone with one tap.

Full Control

Trace every kobo and keep your cash flow healthy and safe.

Start Today It's Free

Your Business Deserves
Better Than Spreadsheets.

Join thousands of forward-thinking African businesses already running smarter with Kredo. Set up in 2 minutes. No credit card required.

Instant 2-Minute Setup
•
No Credit Card Required
•
100% Free Forever Plan
•
24/7 Human Support

Loved by Thousands.

Real businesses. Real results. See what Kredo is doing for entrepreneurs across Africa.

"I finally have peace of mind running my business. Kredo helps me keep track of everything in one place."

CO
Chidi O.

Lagos, Nigeria

"My clients are truly impressed with the professional invoices they received via WhatsApp."

AM
Amaka J.

Port Harcourt

"The insights module helped me see exactly where my business was leaking funds."

ZA
Zainab A.

Kano, Nigeria