Features
Not a stripped-down app. Not a foreign tool retrofitted for Ghana. Built from scratch for how Ghanaian SMEs actually run.
Complete financial visibility — always up to date, no accountant needed for day-to-day numbers.
Record every income and expense in real time. Categorise by type. See your cash position at a glance.
Automatic P&L generated from your transactions. See gross profit, operating costs, and net profit by period.
Assets, liabilities, and equity — always current. Share with your bank or accountant in one tap.
Operating, investing, and financing cashflows. Know exactly when and where money moved.
Professional invoices that get you paid faster, built to Ghana's GRA standards.
Invoices with VAT (15%), NHIL (2.5%), GETFL (1%), and COVID levy (1%). TIN support. GHS currency.
Set up invoices that repeat weekly, monthly, or quarterly. Auto-generates and notifies customers.
Send a quote, get it approved, convert to a sales order, then invoice — all in one flow.
Share invoices via WhatsApp link, email, or PDF. Customers can pay directly from the invoice link.
Real-time inventory across every location. Know what you have, what's low, and what's selling.
Stock levels update instantly with every sale, purchase, and adjustment. No manual counting.
Set reorder levels per product. Get notified before you run out — never lose a sale to stockout.
Track stock separately at each branch or warehouse. Transfer stock between locations.
Manage physical products and service items in one catalogue. Both appear on invoices and reports.
Full Ghana payroll compliance — SSNIT, PAYE, and payslips — without the spreadsheet nightmare.
Automatic SSNIT deduction calculation: 13.5% employer + 5.5% employee. Schedule 4 report ready to submit.
Income tax calculated using the latest GRA tax bands. Tax-inclusive and tax-exclusive gross pay.
Generate and share payslips for each staff member. WhatsApp or PDF delivery.
Add staff with role-based permissions. Control who sees what — cashiers, managers, owners.
Know your customers. Track credit. Follow up leads. Never lose a deal.
Full customer profiles with purchase history, credit balance, and outstanding invoices.
Record credit sales and track what each customer owes. Send WhatsApp reminders directly.
Track prospects through your sales pipeline. Convert leads to customers when deals close.
Manage supplier contacts, purchase history, and what you owe. Track supplier credit.
Reach every customer on WhatsApp and SMS — using your own accounts, so you pay zero per message to AjumaFlow.
Send promotions, announcements, or updates to your entire customer list via WhatsApp Business API.
SMS campaigns via Arkesel, Hubtel, or mNotify — your existing SMS provider. Zero AjumaFlow markup.
Target campaigns by last purchase date, total spend, or custom tag. Send to the right people.
See every campaign sent, delivery counts, and re-run successful campaigns.
On top of all these features, Growth, Business, and Pro plans unlock deep industry-specific workflows for salons, pharmacies, restaurants, tailors, wholesalers, farmers, contractors, bakeries, and more.
Explore all 21 modules →