Five things you'll never do again.
Not features — the actual work SME360 takes off your hands.
You said one sentence. Ade’s invoice is ready.
01Tell SME360 who owes you and what for. It writes the invoice with your logo and details, ready to send to your client in one tap — as a PDF, or a link that always shows what’s still owed.
You said one sentence. Ade’s invoice is ready.
Tell SME360 who owes you and what for. It writes the invoice with your logo and details, ready to send to your client in one tap — as a PDF, or a link that always shows what’s still owed.
Snap it. Forget it.
Photograph the receipt and send it on WhatsApp. SME360 reads the total, files it under the right heading, and keeps the photo in your Documents — so it’s there the day someone asks for proof.
Know exactly who to call first.
Ask who owes you and SME360 lists every debt, oldest first — how much, and how many days late. No digging through notebooks or chats.
Every order, from “I want” to delivered.
When a customer orders, just say so. SME360 keeps the order — what’s paid, what’s left, and when you promised it — and tracks it until it’s out the door.
Ask it the thing you’d ask an accountant.
No jargon, no dashboard to decode. A straight answer about your own money, and the next step already lined up.
One app for the whole business.
Everything you'd hire an accountant, a store-keeper and a debt-collector for — in one place you'll actually enjoy opening.
Businesses across Africa already run on SME360.
From Nigeria and Ghana to Tanzania and Namibia. It works in every African country, in your own currency — and a payment in dollars or pounds is kept at the rate you actually got.
If money moves through it, SME360 keeps up.
Built for everyday business owners — not accountants.
Up and running in an afternoon.
Create your free account, then link your WhatsApp in about a minute — or just use the app.
Message SME360 on WhatsApp or in the app. Invoices, expenses, stock — just say what happened.
Your books, reports and debtor list stay current on their own. You just run the business.
Serious about your money. Calm about your data.
Before you sign up.
The short answers. Anything else, ask from Help & feedback inside the app.
What does SME360 do?
It runs the day-to-day of your business in one place. Tell it what happened in plain words, in the app or on WhatsApp, and it records your sales and expenses, makes your receipts and invoices, and keeps track of your orders. It also shows who owes you and how much you made, keeps your price list, customers and suppliers, plans your to-dos and reminders, and lets you add staff with their own logins and keep track of their pay.
Is SME360 free, or will I have to subscribe?
It’s completely free, and you don’t need a card to sign up. There’s no pricing yet. When that’s decided, we’ll tell everyone clearly before anything costs money.
Is it on the Play Store? How do I download it?
Not yet. We plan to make an app, but for now there’s nothing to download: SME360 runs in the browser on your phone or computer. Go to sme360app.com and sign up, then use your browser’s “Add to Home screen” to open it like an app.
Do I need WhatsApp?
No. Everything works in the app. WhatsApp is an extra: link your number and you can record sales and expenses, or make an invoice, just by sending a message.
Which countries does it work in?
Every African country. Choose your country when you sign up and SME360 works in your currency — naira, cedis, shillings, rand, CFA francs and more. Businesses from Nigeria and Ghana to Tanzania and Namibia already use it.
Can I send my bank statement?
Yes. Send the statement your bank gives you — the PDF, or photos of it — on WhatsApp or under Bank statements in the app. Every line is read and checked against the statement's own totals, then shown to you: you choose what goes into your books and can skip any line, and nothing is added until you say yes. SME360 has no connection to your bank: it cannot see your account, pull transactions by itself, or move, send or transfer any money — it only reads the statement you send.
Can I record money in dollars or another currency?
Yes. Record a payment in dollars, pounds or any other currency and SME360 asks the rate you actually got, so your totals stay in your own currency.
Can my staff use it?
Yes. Give each person their own login and choose what they can see and do.
Is my business data safe?
Every connection is encrypted, your records are backed up every night, and we never sell your data. You can export it, or delete your business, at any time.
How do I know I won’t be scammed?
SME360 never touches your money — it only keeps your records. We will never ask for your bank login, PIN or OTP, and we will never ask you to send money to anyone. If someone claiming to be SME360 does, it isn’t us.
How do I talk to a person?
Message SME360 support on WhatsApp at +234 707 888 8808, or use Help & feedback in the app.
Start running your business the easy way.
Create your account and start recording your business today. Free to begin, no card needed.