Conversational business management for SMEs
Record sales, manage customers, generate financial statements and share reports by simply asking, in English or Kiswahili, on WhatsApp, mobile or the web. One connected system, one source of truth.
Chat and voice
Mobile
App interface
Web
Business dashboard
SME GROW Assistant
Linked to Mama Njeri Stores
I've prepared a sales record:
Should I save this transaction?
Sale recorded successfully.
Your recorded sales for today are now KSh 18,500.
One platform, five capabilities
Use the dashboard, the mobile app or WhatsApp without ever creating separate records or disconnected databases. Every channel reads and writes the same secure business ledger.
Conversational AI and Business Assistant
Natural language understanding · Voice processing · Intent recognition · Approved business actions
Central Business Database
Double-entry ledger · Secure, organised, continuously updated records
The signature feature
Type or send a voice note as you would to a trusted employee. SME GROW understands the request, calls an approved business function, and asks before it changes any financial record.
Pick a command
Ask SME GROW
Creates or modifies recordsShould I proceed?
Illustrative demo. The assistant never has unrestricted database access; it calls approved functions with validated parameters, and all figures are calculated by the accounting engine.
Built for common Kenyan business expressions and mixed-language communication. Ambiguous financial commands are never executed silently.
WhatsApp text
Business queries and transaction recording
WhatsApp voice notes
Voice-based commands, transcribed and confirmed
Mobile app chat
Conversational interaction
Web chat
Business management assistant
Dashboard forms
Manual transaction entry
Uploaded documents
Invoice and receipt extraction, subject to validation
Conversational-first, dashboard underneath
Some owners prefer WhatsApp. Accountants and managers prefer a dashboard. SME GROW gives both, without compromising the accuracy of a single record.
Good morning!
Business overview · Example account
This week · KSh
Business assistant
What would you like to know about your business?
Quick actions
Conceptual dashboard. All figures and controls are illustrative, not connected to a live account.
Built-in CRM
Every customer profile is connected to sales, payments, invoices, debts and WhatsApp conversations, with groups, tags and custom fields.
CUS-0418 · Retail · Kisumu
Payment follow-up required
"Show me customers who owe more than KSh 5,000."
The assistant retrieves matching accounts and offers a debtors report or authorised reminders.
Prospect
Enquiry or potential buyer registered.
Interested
Quotation or product information sent.
First purchase
First transaction recorded.
Repeat customer
Subsequent purchases tracked.
Loyal customer
Eligible for loyalty incentives.
Inactive
No recent purchases; follow-up scheduled.
Configurable per sector: a hotel tracks enquiries, bookings, stays and repeat guests.
Official WhatsApp Business Platform, with customer consent and approved templates.
Financial management and statements
A double-entry ledger sits behind every conversation. AI interprets your request and explains results; deterministic software does the maths.
Profit and Loss Statement
Revenue, cost of sales, gross profit, operating expenses and net result.
Balance Sheet
Assets, liabilities and owner's equity at a particular date.
Cash Flow Statement
Operating, investing and financing inflows and outflows.
Sales Report
By product, customer, employee, payment method and period.
Expense Report
Expenditure by category, supplier and reporting period.
Debtors and Creditors
Outstanding customer invoices and supplier obligations.
Inventory Report
Stock levels, movement, valuation and reorder needs.
Business Performance
Revenue trends, margins, customer performance and indicators.
Missing a period or accounting basis? The assistant asks before generating.
PDFs carry your business name, logo, period, currency and generation date, with version numbers and an audit trail.
Opening balances
Enter opening balances when you join, so statements start from the truth.
Accounting methods
Cash and accrual reporting, always clearly labelled.
Reconciliation
Spot differences between sales, payments, bank balances and records.
Review status
Management reports are distinguished from accountant-reviewed statements.
A generated statement is never represented as audited or tax-certified simply because it was exported to PDF.
WhatsApp integration and sharing
Send and receive business information over WhatsApp while your records stay safely in SME GROW.
Owner's WhatsApp
Text, voice notes, commands and report requests
WhatsApp Business Platform
Message delivery, webhooks and media exchange
SME GROW Gateway
Identity verification, routing and permissions
SME GROW Core
CRM · Finance · Inventory · AI · Reporting
Response delivery
Answers, PDF reports, invoices, receipts and alerts
Prepare my profit and loss statement for October 2026.
Your October 2026 profit and loss statement is ready. Would you like it as a PDF or Excel file?
PDF. Send it to me.
October_2026_PandL.pdf
Successfully generated · 2 pages
Your report has been sent.
Security rule: nobody gains access to business finances just by messaging its WhatsApp number. Verified phone numbers are linked to authenticated accounts, permissions are checked, and sensitive operations need extra confirmation.
Teams and security
Multiple users per business, each with the right permissions. Ideal for growing teams and external accountants.
WhatsApp is a linked communication channel, never a substitute for account authentication.
| User role | Permissions |
|---|---|
| Business Owner | Full control |
| Administrator | Account and user management |
| Accountant | Financial records and statements |
| Sales Manager | Sales, customers and reports |
| Sales Agent | Assigned sales and customer records |
| Inventory Manager | Stock and purchases |
| Read-only User | View permitted reports |
Subscriptions
Pay with M-Pesa. Upgrade or downgrade anytime without losing data. A seven-day grace period applies after a failed renewal, and you never lose access to historical financial records.
Free
Get organised and try the assistant.
1 user
Start freeKSh 300/month
Full records, WhatsApp assistant and basic reports.
1 user
Choose BasicKSh 750/month
Advanced CRM, inventory, statements and Excel.
3 users
Choose BusinessKSh 1,500/month
Advanced analytics, larger teams, priority support.
10 users
Choose Pro| Feature | Starter | Basic | Business | Pro |
|---|---|---|---|---|
| Business profile | ||||
| Sales and expense records | Limited | |||
| Inventory | Basic | Advanced | Advanced | |
| Customer CRM | Basic | Basic | Advanced | Advanced |
| WhatsApp assistant | Limited | |||
| Voice commands | Limited | |||
| AI content creation | Limited | Limited | ||
| Financial reports | Basic | Basic | Advanced | Advanced |
| PDF sharing | Limited | |||
| Excel exports | ||||
| Financial statements | Management | |||
| Compliance assistant | Basic | |||
| Business Academy and opportunities | Selected | |||
| Multiple users | 1 | 1 | 3 | 10 |
| Advanced analytics | Basic | |||
| Priority support |
Prices in KSh per month. Proposed feature matrix; final usage limits and entitlements are configured before launch.
MVP in 120 days
Piloting with 50 to 100 businesses across retail, hospitality and services, so different workflows expose design weaknesses early.
Foundation complete
Conversational operations complete
Reporting and communication complete
Launch candidate
Get started
Register independently as an entrepreneur, or create a business account and invite your team.
Create an account
Register with a mobile number or email.
Verify identity
OTP and email confirmation where applicable.
Create business profile
Name, category, county, size and contacts.
Select subscription
Starter, Basic, Business or Pro.
Configure business
Currency, opening balances, accounting preferences.
Connect WhatsApp
Verify and link the owner's WhatsApp number.
Start using SME GROW
Open the dashboard or start chatting.