The all-in-one operating system for African business
Run every business you own from one login.
One system for bookkeeping, POS & inventory, invoicing, payroll, tax, and bank & mobile-money reconciliation — across every business you run, in any currency. Kiongozi, its 25-agent AI, chases the overdue invoice before you wake up.
One login, every business
One owner. Five businesses. One login.
A bar, a pharmacy, a shop, an NGO — each in its own currency. Kiongozi keeps them separate, reconciles across all of them, and tells you which one needs you first. Tap a business to switch.
One product, every screen
The whole business, on one screen that actually works.
Don't take our word for it — press a tab and watch the real app do the job.
Everything, in one place
Not an accounting app. The whole operating system.
Most tools give you one of these and charge for the rest. SBB gives you all of it, from day one — no add-ons, no separate logins.
Live balances
Cash, bank and mobile-money balances updating in real time.
POS & offline sales
Ring up sales in seconds — even with no internet.
Inventory
Stock across locations with reorder alerts and barcodes.
Invoicing & collections
Branded invoices with payment tracking and reminders.
Supplier bills
Track every bill and due date so you pay on time.
Purchase orders
Raise POs and receive stock straight into your books.
Payroll & HR
Run payroll in minutes and WhatsApp payslips to staff.
Bank & MoMo reconcile
Import statements; Kiongozi auto-matches every line.
Any currency
UGX, KES, NGN, GHS, USD, CAD, EUR — trade in yours.
Tax & eTIMS / KRA
VAT and fiscal receipts, ready for the taxman.
NGO fund accounting
Restricted funds, grants, donors and donor-ready reports.
Susu / ROSCA
Rotating savings groups tracked without the arguments.
Credit book
Know who owes you what — nudge them on WhatsApp.
Budgets & forecasting
Set targets; Kiongozi warns before you overspend.
Reports Explorer
Pivot like a spreadsheet, export to Excel or PDF.
One login, many businesses
Switch between every business you run from one account.
Team & roles
Invite your accountant and staff with the right access.
25 Kiongozi AI agents
A finance, ops and intelligence workforce, always on.
Straight from the product
No mockups. This is the real thing.
Every frame below is a live screen from SBB — the ledger, the catalog, the tax office, the forecast. Click any of them to look closer.
One subscription, not seven
Cancel the other seven apps.
Most owners duct-tape together an accounting app, a POS, a payroll tool, an invoicing app, a spreadsheet and two notebooks — paying for each, reconciling between them by hand. SBB is all of them: one login, one price, one source of truth.
All of it. One login. One price.
SBB Desktop · Windows · Free on every plan
Every other till hands you a pile of receipts to type up later.
This one keeps its own books. The moment the drawer closes, the sale is posted, the stock has moved, and the day's numbers are already right — online or not.
The till is the books
Not a POS that someone reconciles on Sunday. Every sale posts double-entry, moves stock and updates your cash position as it happens.
The internet is optional
Power cut, router down, data finished — the queue keeps moving. Sales are saved on the till and sync themselves later. Nothing is ever lost.
MoMo into your own account
Use the MTN or Airtel number you already have. Customers pay you directly — no new merchant account, no middleman holding your money.
Built for how you actually sell
Tables and tabs. Kilos and grams. Batches and expiry dates. Several tills on one shelf. Not a template — your trade.
Windows 10/11 · installs in a minute · updates itself · works with the receipt printer and barcode scanner you already own.
No mockups — this is the shipped app
A real bar. Real prices. Tuesday night.
Every screen below is a screenshot of SBB Desktop running a live business. Click any of them to look closer.
Run the whole night on one screen.
Open a tab per table, keep adding through the evening, fire the order to the kitchen and bar, then split the bill however they ask.
Kiongozi AI
It doesn't just store your numbers. It reads them.
Ask in plain English or Swahili. Kiongozi watches every transaction, flags what's wrong, drafts the WhatsApp reminders, and briefs you before the day starts — like a finance team that never sleeps.
Made for your world
One system, whether you sell, serve, or steward.
Businesses
Shops, bars, pharmacies and restaurants — POS, stock, invoicing and payroll in one place, in your currency.
NGOs & grants
Restricted-fund accounting, donor and grant tracking, and USAID/EU-ready reports without the spreadsheet chaos.
Susu, ROSCA & credit
Rotating savings groups and the customer credit book tracked automatically — the informal economy, finally in the books.
Pricing
90 days free. Then grow on your terms.
Every new business gets the full platform — our top plan — free for 90 days. No card needed. After that, pick the tier that fits, or stay on the free Starter plan.
Everything to start keeping real books.
- 1 user
- 50 transactions/mo
- Basic reports
- Point of sale
Unlimited records, invoicing, core reports.
- 2 users
- Unlimited transactions
- Invoicing
- Core reports
- Recurring
All 25 Kiongozi agents, daily brief, forecasting.
- 5 users
- All 25 AI agents
- Daily brief
- Payroll
- Forecasting
- Advanced exports
Multi-business, What-If simulations, YoY.
- 10 users
- 3 businesses
- What-If simulations
- YoY analysis
- Advanced audit
Unlimited businesses and locations.
- 25 users
- Unlimited businesses
- Multi-location
- Priority support
White-label, dedicated CSM, SLA and API.
- Unlimited users
- White-label
- Dedicated CSM
- SLA guarantees
- API access
All prices in USD · billed monthly, semi-annually, or annually.
Questions
Everything you might be wondering.
Smart Business Book (SBB) is an AI-powered business operating system. It combines bookkeeping, invoicing, point of sale (POS), inventory, payroll, bank reconciliation, business reports, and an AI assistant called Kiongozi in one platform, so you can run your whole business from a single place — on the web or on your phone.
Yes — better than free to start. Every new business gets our top plan, with all features and modules, free for 90 days with no credit card required. After the 90 days you can pick the plan that fits, or keep using the free Starter plan.
Sign up, and your business is automatically on our highest tier for 90 days — POS, inventory, invoicing, payroll, reconciliation, reports, and the full Kiongozi AI experience including briefings and automations. Chatting with Kiongozi uses AI credits, which are purchased separately. No card is needed for the trial, and when it ends nothing is deleted — you simply choose a plan or continue on the free Starter tier.
SBB works in any currency — Ugandan Shilling (UGX), Kenyan Shilling (KES), Nigerian Naira (NGN), Ghanaian Cedi (GHS), US Dollar (USD), Canadian Dollar (CAD), Euro (EUR), and more. Each money location keeps its own currency, and reports and receipts follow the currency you trade in.
Yes. Upload a bank, MTN MoMo, M-Pesa, or Airtel Money statement (CSV or Excel) and SBB automatically matches every line against your ledger, shows what is missing, flags possible double entries, and imports the missing transactions in one click.
Yes. SBB has a dedicated NGO mode with fund accounting, restricted funds, grant budgets, donor tracking, and donor-ready reports — used by NGOs, churches, community groups, foundations, and schools.
Yes. The built-in point of sale records sales in seconds, prints thermal receipts, tracks stock levels across locations, and posts every sale straight into your books — no separate POS system needed.
Yes. Invite team members with role-based access — owners, accountants, and employees each see what they need. Approvals, review queues, and an audit trail keep the books trustworthy.
Yes. The Reports Explorer works like a spreadsheet — filter, sort, group, and pivot your transactions, then export to Excel (.xlsx) or CSV. Financial statements can also be printed or saved as PDF.
Your turn
Your business deserves a leader.
90 days of the full platform, free — set up before your coffee's cold, and wake up to answers already handled.