Run the Whole Business From Your Phone
AjumaFlow is a complete business platform for small and medium businesses in Ghana and across Africa — GRA-compliant invoicing, a daily cashbook with Mobile Money reconciliation, stock, payroll and 20+ industry modules. It installs as an app on any phone, works offline, and the free plan is free forever.
- GRA-compliant invoicing, cashbook & Mobile Money reconciliation
- SSNIT & PAYE payroll with automatic payslips
- 20+ industry modules — salon, pharmacy, restaurant, tailor & more
- Installable PWA — mobile-first, genuinely offline-capable
One App for the Whole Operation
Everything a growing business needs to invoice, track cash, manage stock and pay staff — with the deep workflow for your industry layered on top.
Invoicing & GRA Compliance
Professional invoices with VAT, NHIL, GETFund and COVID levies calculated automatically. Send by WhatsApp, email or link in seconds.
Cashbook & Mobile Money
Every sale and expense captured on a phone in real time, with Mobile Money transaction IDs and CSV statement reconciliation.
Stock & Cost Tracking
Real-time inventory across branches, low-stock alerts, and automatic cost of goods sold with your chosen valuation method.
Customers & Credit
A running ledger for every customer and supplier — credit balances, statements, and follow-up reminders by SMS.
Payroll — SSNIT & PAYE
SSNIT Schedule 4 reports and PAYE on the current GRA tax bands, with payslips generated in one click.
Quotes & Sales Orders
Win the job before it starts. Convert an approved quote to an invoice in a single tap.
WhatsApp & SMS Campaigns
Bulk promotions to your whole customer list, sent through your own WhatsApp Business and SMS accounts — no per-message markup.
20+ Industry Modules
Deep, industry-specific workflows for salons, pharmacies, restaurants, chop bars, tailors, contractors, wholesalers, farmers, bakeries and more.
Made for This Market
PWA — Works Offline
Installs as an app on any Android or iPhone straight from the browser, and keeps working through a lost connection — built for budget phones and patchy data.
Financial Statements
Profit & Loss, Balance Sheet and Cashflow that stay up to date automatically — no manual bookkeeping, no month-end spreadsheet.
Multi-Branch
Run several branches from one account, with stock, sales and staff scoped per location and consolidated reporting.
Accountant Portal
Give your bookkeeper a secure, scoped login to your books through a share link — no password sharing.
Built for Ghana
Cedi-first, phone-number login (MTN, Telecel, AirtelTigo), Mobile Money on every transaction, and GRA / SSNIT / PAYE compliance in the box.
Your Data, Isolated
Row-level security means each business can only ever see its own data. Payments run through Paystack; hosting is enterprise Postgres.
Deep Workflow for Your Trade
Pick your industry module and the screens, terms and reports match how that business actually runs.
Start Free. Pay in Cedis When You Grow.
The free plan runs the books for a small business with no card and no time limit. Paid plans add team members, campaigns and your industry module.
Free
Everything to run the books — free forever, no card.
- Cashbook, income & expenses
- Customers, leads & suppliers
- Invoices & stock management
- Cash & credit sales
- Financial reports — P&L, Balance Sheet, Cashflow
- 1 user · 14-day Pro trial
Starter
Grow your team and reach your customers.
- Everything in Free
- Up to 5 staff users
- Payroll — SSNIT & PAYE reports
- Bulk WhatsApp & SMS campaigns
- Quotes, Sales Orders & multiple branches
Growth
Add the deep workflow for your industry.
- Everything in Starter
- 1 industry module
- Deep, industry-specific screens & reports
Pro
Every module, unlimited staff, priority support.
- Everything in Growth
- All industry modules
- Unlimited staff users
- Priority support
Full, current pricing and the sign-up flow are on ajumaflow.com.
Set Up Your Business in Minutes
Sign up, name your business, and start invoicing today. The free plan is genuinely free — move to a paid plan only when you need more.