Bookkeeping that keeps up with a business that doesn't run on paper.
SME Accounts Pro tracks income, expenses, and what your customers owe — offline, in Kwacha, without an accountant on standby. Built for the small business owner doing the books themselves, after hours, on a phone.
Why most accounting software doesn't fit a Zambian SME
Most accounting platforms are built for businesses with a finance department, a stable internet line, and customers who pay by card on the day of purchase. That's not the reality for most small businesses in Zambia. You're the owner, the cashier, and the bookkeeper — often all in the same hour. Your customers pay in mobile money, sometimes in instalments, sometimes on credit you're trusting them to settle later.
A system that needs constant connectivity or assumes a dedicated accountant just adds friction to a job that's already hard enough. SME Accounts Pro is built the other way round: simple enough to run yourself, offline-first so a bad network day doesn't stop you recording a sale, and built around the Kwacha and mobile money from the ground up.
What SME Accounts Pro actually does
A practical set of books for a business that doesn't have a finance team — not a scaled-down version of software built for someone else's company.
Income & expense tracking
Record every sale and cost as it happens, with a running picture of what your business actually made.
Works fully offline
Keep entering transactions with no signal at all — everything syncs to the cloud once you're back online.
Credit sales & running balances
Track exactly who owes what, with a running credit balance per customer instead of a notebook you can lose.
Mobile money billing
Built around Airtel Money, MTN MoMo, and Zamtel Kwacha — because that's how your customers already pay.
Simple financial summaries
See where your money is going without needing to read a balance sheet like an accountant would.
Your records, kept private
Financial data is stored securely and only accessible to your account — never sold or shared.
See it in action
A look at SME Accounts Pro's dashboard for tracking daily income, expenses, and customer balances.
Who this is for
SME Accounts Pro is built for the person actually doing the books, not a finance department three floors away:
Shop and stall owners who need a clear daily record of sales and expenses without hiring a bookkeeper.
Small business owners selling on credit who need to know exactly who owes what, and when it's due.
Side-business operators juggling books after hours, from a phone, between other jobs.
Anyone tired of notebooks and spreadsheets that fall out of date the moment you're busy with a customer.
Frequently asked questions
Do I need accounting experience to use it?
No. SME Accounts Pro is built for business owners doing their own books, not trained accountants — everyday language, no ledger jargon required.
Does it work without internet?
Yes. It's offline-first — record income, expenses, and credit sales with no connection at all, and everything syncs automatically once you're back online.
Can I track customers who buy on credit?
Yes. Each customer gets a running credit balance so you always know who owes what and when it was recorded.
Can I pay with mobile money?
Yes. Billing is built around Airtel Money, MTN MoMo, and Zamtel Kwacha.
Stop guessing what your business made this month.
Try SME Accounts Pro free and see your income, expenses, and customer credit in one place — updated as you go, not at month-end.