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Run your business by just talking to it.

SME360 is the AI operating system for your business. Tell it what happened in plain words — “paid ₦8k for fuel” — and it records the money, sends invoices, tracks stock and even reads your bank. No bookkeeping. No stress.

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sme360app.com

Tuesday, 14 March

Good morning, Sadiq

Sadiq Cement

Money in

Money out

Profit kept

Owed to you

Cash at hand

Low stock

Overdue

Your AI advisor

Try saying

What it actually does for you

Five things you'll never do again.

Not features — the actual work SME360 takes off your hands.

SME360

MOBIL · KADUNA

PMS 20L8,000

VAT0

TOTAL₦8,000

14/03/2026 · 07:41

07:41

{{ nightClock }}

You're asleep. It isn't.

Sadiq Cement

Kaduna · Nigeria

Invoice

INV-0042

Billed to

Ade Okonkwo

Cement

12 bags @ ₦8,000

₦96,000

Total due

₦96,000

Due in 14 days · Payable by transfer

Read from your photo

Amount₦8,000

VendorMobil

Date14 Mar 2026

Filed underExpenses › Fuel

Photo kept in your Memory Vault

Owed to you ₦640,000

Adeyemi Ltd₦280,000

34 days overdue

Bello Stores₦210,000

19 days overdue

Chidi Ventures₦150,000

8 days overdue

3 reminders sent on WhatsApp · worded by you

GTBANK ····4821 · READ-ONLY

Transfer received

Sales

+₦120,000

POS purchase

Fuel

−₦8,000

Airtime top-up

Data & airtime

−₦2,000

7:00 · your morning message

Yesterday: ₦120,000 in, ₦10,000 out. 1 invoice overdue. Cement running low.

Straight answer

Your average job margin is 22%. Most builders aim for 30–35%. Raising quotes about 10% would add roughly ₦180,000 a month.

Draft new price bands

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What's inside

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.

Money in & out

Record every naira the moment it moves. Cash, transfer or POS.

Invoices & receipts

Send clean, professional invoices — and auto-receipt every payment.

Inventory

Know what's in stock before you run out — SME360 counts as you sell.

Clients & vendors

Every contact and their full history in one tidy place.

Projects

Track a job from quote to final payment, with costs attached.

Debtors

See who owes you, how long, and chase them — politely, automatically.

Reports

Understand your profit — in plain language, without an accountant.

Bank connection

Link your account and let transactions flow in and file themselves.

Who it's for

If money moves through it, SME360 keeps up.

Built for everyday business owners — not accountants.

Retail shops Social media vendors Restaurants & food Logistics & delivery Consulting Real estate Construction contractors Cooperative societies Freelancers E-commerce Agribusiness Schools Clinics Oil & gas contractors Manufacturing Event management NGOs Project-based work

How it works

Up and running in an afternoon.

Get in & connect

Link your bank in a couple of taps — read-only, always.

Talk to it like a person

Message SME360 on WhatsApp or in the app. Invoices, expenses, stock — just say what happened.

Watch it run itself

Your books, reports and debtor list stay current on their own. You just run the business.

Trust & security

Serious about your money. Calm about your data.

Bank-grade encryption

Your data is protected end to end, at rest and in transit.

Read-only bank access

SME360 can see transactions — it can never move your money.

Your data is yours

Export or delete it anytime. We never sell it — full stop.

Built for here

Naira-first and made for how business really works in Nigeria.

Get started

Start running your business the easy way.

Create your account and start recording your business today. Free to begin, no card needed.