Business finance for Kenyan SMEs

Know where every shilling went.

Biz OS puts your sales, expenses, stock and M-Pesa in one simple app, and keeps your books right, even when the network isn't.

Pay with M-Pesa, no card needed. Plans from KES 299 a month.

  • Android and web
  • M-Pesa on the till
  • Works offline
app.bizos.co.ke
The Biz OS dashboard showing sales, expenses, profit, cash and M-Pesa balances, and who owes you
The Biz OS till on a phone, with a cart of three items ready to check out
KES 4,480 profitthis week
Sale savedsends when you are online
Offline-readyKeep selling when the network drops. Nothing is lost.
M-Pesa built inSend a prompt from the till and import your statement.
Books that balanceEvery shilling is recorded twice, so reports never disagree.
Simple pricingFrom KES 299 a month. Pay by M-Pesa.
Everything a duka needs

One app for the whole day, from the first sale to the last shilling.

No spreadsheets, no notebooks, no guessing at the end of the month.

A till that keeps up

Tap, search or scan. Take cash, M-Pesa and credit on the same sale, and hold a sale for the next customer.

Get paid, then reconcile

Send an M-Pesa prompt without leaving the till. Upload your statement and match it to your books.

Know your stock

See what is running low or about to expire, count stock, and reorder before you run out.

Credit without the notebook

Set credit limits, see who owes you and who you owe, and send friendly reminders.

Reports you can trust

Daily summary, profit and loss, cash flow and debts. Export to PDF, Excel or CSV.

Your team, your rules

Give each person only what they need. A cashier sells without ever seeing your profit.

See every feature

The till

The till your queue will thank you for.

Fast to learn, fast to use. If your cashier can use a phone, they can run Biz OS on day one.

  • Split any sale. Part cash, part M-Pesa, the rest on the customer's account.
  • Search as you type or scan a barcode, even with thousands of products.
  • Never lose a sale. No network? It is saved and sent for you when you are back online.
app.bizos.co.ke/sell
The Biz OS till with products to tap and a cart with four items, ready to take payment
Your numbers

See your whole business at a glance.

Open the app and know how the day, the week or the month is going, without adding anything up.

  • Profit, not just sales. See what you actually keep after costs and expenses.
  • Cash and M-Pesa balances side by side, always up to date.
  • Who owes you and who you owe, one tap away.
app.bizos.co.ke/home
The Biz OS customer list showing four customers who owe money, with the total owed
The Biz OS home screen on a phone
How it works

Up and running in an afternoon.

No training course, no accountant needed to get started.

  1. Create your account

    Sign up with your phone number and a password. Tell us about your business in a minute.

  2. Add your products

    Type them in, or upload your Excel list and check the preview before anything is saved.

  3. Start selling

    Open the till and sell. Your stock, cash and profit update as you go.

You can rely on it

Numbers you can trust. Data you control.

Your records are the heart of your business. We treat them that way.

Books that always balance

Every transaction is recorded as a balanced entry, so your reports and balances can never disagree.

Nothing changes quietly

Mistakes are fixed with a visible, dated correction. You can always see who did what and when.

Kept apart, kept private

Each business's data is separated at the database level. Nobody else can see yours.

Yours to take with you

Export everything whenever you like, even if your plan has ended. Your data is never held hostage.

Pricing

Simple plans that grow with you.

Pay with M-Pesa. Change or cancel any time.

Starter

For a one-person shop getting organised

KES299/ month

Billed every month

  • Team accounts1
  • StockBasic
  • SuppliersBasic
  • ReportsBasic
  • ExportsLimited
  • M-Pesa import—
  • Permissions—
  • Multi-store—
  • Priority help—
Choose Starter

Professional

For busy businesses with more than one store

KES1,499/ month

Billed every month

  • Team accounts10
  • StockAdvanced
  • SuppliersFull
  • ReportsAdvanced
  • ExportsFull
  • M-Pesa importAdvanced
  • PermissionsFull
  • Multi-storeAvailable
  • Priority helpIncluded
Choose Professional

Enterprise

For larger operations with many people and stores

KES2,499/ month

Billed every month

  • Team accounts50
  • StockAdvanced
  • SuppliersFull
  • ReportsAdvanced
  • ExportsFull
  • M-Pesa importAdvanced
  • PermissionsFull
  • Multi-storeIncluded
  • Priority helpIncluded
Choose Enterprise

Prices in Kenya shillings. Yearly billing costs ten months for twelve. Compare plans in detail

Questions

Good to know before you start.

Who is Biz OS for?

Small and medium businesses in Kenya: duka and mini-supermarkets, hardware shops, restaurants and hotels, salons and barbershops, boutiques, wholesalers and service businesses.

If you buy, sell and take payments, and you want to know where your money is, it is built for you.

Do I need internet to make a sale?

No. The till keeps working when the network drops. Sales are saved on your phone or browser and sent automatically when you are back online, without double-counting. You only need a connection to send an M-Pesa prompt or to see fresh numbers.

How do I pay for Biz OS?

With M-Pesa. Choose a plan and we send a prompt to your phone; you approve it with your PIN and your plan starts as soon as M-Pesa confirms. We never see your PIN and you do not need a card.

Can I bring my products and customers from Excel?

Yes. Upload an Excel or CSV file and you see a preview with any problems pointed out before anything is saved.

Is my business data safe?

Each business's records are kept apart at the database level, so one business can never see another's. Money records are never edited or deleted behind your back: mistakes are corrected with a visible, dated reversal, and there is a trail of who did what. You can export your data at any time.

Can my staff use it too?

Yes. Add a cashier, a stock keeper or a manager and decide what each can see. A cashier can sell without ever seeing your profit, debts or costs.

Something else? Ask us.

Ready to see where your money really goes?

Set up in a few minutes on your phone. Pay with M-Pesa, change plans any time, and your data is always yours.