For business owners

Know where the money goes, without approving everything.

Name: Bizflow
Price: 5000 KES
Author: Bizflow

See cash, spend, and what's owed in one place, let approvals run by your rules, and get eTIMS and the books sorted, all from your phone.

Book a demo See how it works

Cash today · every accountKES 4.82M · bank, M-PESA, Wallet
Waiting for you2 requests · 47 handled by your rules
eTIMS this monthEvery invoice signed · VAT due 20 Nov

Trusted by growing businesses across Kenya

businesses: 50+; businesses
in transactions: KES 150M+; in transactions

Sound familiar?

The problems you shouldn't have to carry.

Most owners we talk to run the business from WhatsApp, a cash box, and a spreadsheet someone updates on Fridays. Here is what changes.

“Every request comes to my WhatsApp.”
Approvals that run by your rulesManagers approve within their limits. Only the big ones reach you, with the budget and quotes in front of you.
“I don't know what cash we have until the bank statement comes.”
Cash across every account, todayBank, M-PESA, and the Bizflow Wallet in one view, with what is owed to you and what you owe.
“Petty cash just disappears.”
Every shilling paid by M-PESA, with a receiptStaff request from their phones, spend is checked against a budget, and receipts are chased until they come in.
“Suppliers get paid twice, or for things that never came.”
Bills checked before anyone paysEach bill is matched to its order and delivery, and checked against KRA eTIMS, before it is approved.
“KRA and eTIMS keep me up at night.”
eTIMS handled for youInvoices signed when they are sent, supplier invoices checked, and a VAT summary before the 20th. Bizflow is a KRA-certified eTIMS integrator.
“My accountant retypes everything at month end.”
Books that keep up on their ownSynced to QuickBooks Online or Zoho Books, or kept in Bizflow, so month end is a review, not a rescue.

Your top workflows

Run the money side in a few minutes a day.

Four things owners use Bizflow for every week. Each one takes minutes, and most of the work happens without you.

Approve only what needs you

Set who approves what, by amount, department, or project. Everything within a manager's limit goes through without you.

Routes by amount and department
Approve or reject from your phone
Delegate when you travel

See approvals

Acme Group Ltd ▾Ask Bizflow AI: “Who approves a KES 600,000 purchase order?”GM

Settings / Approval workflows / Purchase orders

Approval matrix · Purchase orders

14 waiting for you

No approval

Requests are approved automatically.

Any approver

Anyone with approval rights can approve.

Approval matrix

Steps in order, with set approvers.

1Department headAny can approveEvery purchase orderGMAWJO

2FinanceAny can approveAbove KES 50,000FNLM

3DirectorsAll must approveAbove KES 500,000MDSK

+ Add approval step

Test the route

Purchase order of KES 38,000

Department head

Purchase order of KES 486,500

Department head→Finance

Purchase order of KES 720,000

Department head→Finance→Both directors

See cash across every account

The Bizflow Wallet holds money for payouts, alongside your bank and M-PESA, so you see what is available and what is already promised.

Top up by M-PESA or bank
Money reserved for approved payments
Every payment with a receipt

See the Wallet

Acme Group Ltd ▾Ask Bizflow AI: “How much can we pay out this week?”FN

Transactions / Wallet

Bizflow Wallet

Top upPayWithdraw

Current balance

KES 2,486,250

Available plus reserved

AvailableKES 2,073,950Ready to pay out

ReservedKES 412,300For approved payments

3.84MDeposits

1.62MSupplier payments

486KBill payments

250KWithdrawals

4,930Fees

TimeActivityChannelAmountStatus

10:42Bright Homes Ltd. · INV-2048M-PESA Paybill+ 825,000Matched

10:05Petty cash · PC-0421M-PESA 07XX XXX 482− 6,500Paid

09:30Kilimani Clinic · INV-2047Bank transfer+ 64,380Matched

09:12Supplier run BP-0067M-PESA and bank− 412,300Reserved

YesterdayExpense refunds, 6 staffM-PESA− 64,330Paid

YesterdayTop up from bankBank ••4471+ 500,000Received

Put every shilling on a budget

Give each department or project a budget. Requests are checked against it, and you are alerted before anyone overspends.

Budgets by department, team, or project
Alerts as budgets run down
Extra budget needs your approval

See budgets

Acme Group Ltd ▾Ask Bizflow AI: “Which budgets passed 90%?”FM

Finance / Budgets

Budget alerts

Import+ New budget

Alert rules · Sales & Marketing

Set by the budget owner

75%Notify the budget owner

90%Notify the owner and finance

100%Block new spend

+ Add alert

Recent alerts

Sales & Marketing reached 88%Owner and finance notified · 2 h ago

Events hit 100%. New spend blockedYesterday, 16:40

Field sales reached 90%3 days ago

Digital reached 75%Owner notified · last week

Sales & Marketing · budget used by month

Cumulative, FY2026

75%90%

JanAprJulSepDec

Get paid without chasing

Customers pay by paybill with the invoice number, or from the payment link on the invoice. Bizflow matches each payment and updates what they owe.

Payment links on every invoice
Paybill payments matched automatically
Who owes what, and how late

See reconciliation

Acme Group Ltd ▾Ask Bizflow AI: “Which M-PESA payments couldn't be matched today?”FN

Reconciliation / M-PESA paybill

Customer payments

Upload statementRulesClose October

Paybill payments today42KES 1.06M

Matched to invoices39From the account number

Need a look3Part, over, unknown

Invoices paid today41Receipts sent

M-PESA receiptAccount typedAmountMatched toResult

TJK4•••7QINV-308124,000INV-3081 · Coastline HotelsExact amountPaid

TJK4•••2MBLUEWAVE186,000INV-3076 and INV-3080 · BluewaveSplit across 2 invoicesPaid

TJK5•••9D308650,000INV-3086 · Karen Country SchoolKES 8,000 still owedPart paid

TJK5•••4AINV-307064,500INV-3070 · Riverside PropertiesAlready paid on 2 OctOverpaid

TJK5•••8R—3,600No account typedFrom 07•• ••• 281Unknown

Customers type the invoice number as the paybill account. Bizflow matches it, marks the invoice paid, and updates the customer's statement.

Your view

One screen for the whole business.

Open Bizflow in the morning and see where you stand, before anyone sends you a WhatsApp.

1Cash todayBank, M-PESA, and the Wallet together, with what is owed to you and what you owe this week.
2Spend against budgetEach department and project, with the ones running low flagged.
3Waiting for youOnly the requests above your limit, with everything you need to decide.

Acme Group Ltd ▾Ask Bizflow AI: “How much cash do we have, and what is due this week?”MD

Home

Good morning, Mary

October 2026

Cash todayKES 4.82MBank, M-PESA, and Wallet

Owed to youKES 2.31M4 invoices past 30 days

You owe suppliersKES 1.46MKES 412,000 due this week

VAT due 20 NovKES 542,150From eTIMS sales and purchases

Spend this month against budget

Projects2.10M of 2.40M

Operations1.24M of 1.50M

Sales and marketing612K of 800K

Admin318K of 450K

Waiting for you

PO-2214 · KES 486,500Above your KES 300,000 limitApprove

Extra budget · ProjectsKES 150,000 for a client changeReview

Handled by your rules this week: 47 requests approved by managers within their limits. Only 2 needed you.

What you'll stop doing.

StopStart

Approving every request on WhatsApp

Approving only what is above your limit

Handing out cash and chasing receipts

Paying by M-PESA, with receipts collected for you

Asking finance what cash we have

Checking cash across every account yourself

Paying suppliers from a phone, one by one

Paying suppliers and staff in one approved run

Finding out about overspending at month end

Getting an alert before the budget runs out

Worrying whether invoices went through eTIMS

Seeing every invoice signed by KRA

Where owners feel it first.

Petty cash without the cash box

Staff request from their phones, managers approve, and Bizflow pays by M-PESA. Every shilling is tagged to a budget and backed by a receipt.

✓Requests and approvals on the phone
✓Paid by M-PESA, not cash
✓Receipts chased until they come in
✓Spend by person, team, and budget

See petty cash

Suppliers and staff paid in one run

Approve one batch for suppliers, casual staff, or commissions, and Bizflow pays everyone by M-PESA or bank, with a receipt for each.

✓One approval for the whole batch
✓Numbers and duplicates checked
✓Charged to the right budget
✓Failed payments fixed and resent

See bulk payments

KRA-certified eTIMS integrator

eTIMS, handled without the worry.

You don't need to become a tax expert. Bizflow is a KRA-certified eTIMS integrator, so invoices, supplier checks, and the VAT summary happen as part of the work.

How Bizflow handles eTIMS

Acme Group Ltd ▾Ask Bizflow AI: “Which supplier invoices from KRA still need a PO?”AC

Procurement / eTIMS purchases

Purchases from KRA

October 2026Accept and match

From KRA this month64eTIMS invoices to your PIN

Matched58To a PO, bill, or expense

To review6Need a PO or a look

Input VAT412,600From valid invoices only

SuppliereTIMS invoiceAmountVATMatched toStatus

Gypsum World LtdGW-INV-3340123,16016,988PO-2231Matched

Coast Cement LtdCC-55012212,40029,297PO-2229Matched

Nairobi Hardware MartNHM-778146,9806,480PO-2238Matched

Sparks ElectricalSE-090458,0008,000PO-2240Accepted

Steelmart KenyaSK-1192318,00043,862No PO yetNeeds a PO

Arrived from KRA: invoices your suppliers issue to your PIN come in as purchases. Accept them, match them to the PO and delivery, and pay.

Every invoice signed
Invoices and receipts are signed by KRA eTIMS when they are sent, with no extra step for your team.
Supplier invoices straight from KRA
eTIMS invoices your suppliers issue to your KRA PIN come into Bizflow, so you only pay, and claim, for valid ones.
Buyer-initiated invoices
Buying from a farmer or small supplier who can't issue eTIMS invoices? Raise the invoice for them. They accept it and KRA signs it.
Credit notes done right
Refunds and corrections go through eTIMS as credit notes against the original invoice.
Set up for you
Our team can register your business with KRA eTIMS through Bizflow, set your tax codes, and train your staff.
One VAT summary before the 20th
Your eTIMS sales and purchases feed one VAT summary: output VAT, input VAT, and what you will pay, with every invoice behind each figure.

Control

Stay in control without being the bottleneck.

You set the rules once. Bizflow makes sure everyone follows them, and keeps a record of who did what.

Approval rulesWho approves what, by amount, department, and project, with delegation when someone is away.
Roles and permissionsStaff see and do only what their role allows, from requesting to paying.
Audit trailWho requested, approved, paid, and changed anything, on every record.
Bizflow AI, on your termsAsk Claude about your business with your company's key, and see every action before it runs.

Connects to

QuickBooks Online and Zoho BooksExpenses, bills, invoices, and payments sync to your accounting.
M-PESAPay by M-PESA, collect by paybill and payment links, and match every payment.
KRA eTIMSInvoices signed, supplier invoices checked, and the VAT summary ready.
Your bankStatements matched line by line, so the books agree with the bank.

Bizflow AI · connects Claude through MCP

Ask Bizflow AI about your business.

Connect Claude to Bizflow and ask about cash, spend, and what's owed in plain English. Answers come from your live Bizflow data.

How Bizflow AI works

Bizflow AI Connected to Claude

How much cash do we have, and what is due this week?

Claude read from Bizflow · Wallet · Bills

KES 4.82M across every account. KES 412,000 is due to suppliers this week.

Bank ••4410Current accountKES 2.34M
Bizflow WalletKES 412,300 reserved for approved paymentsKES 2.07M
M-PESA paybillCollected this weekKES 410,000

Frequently asked questions

Can I approve from my phone?

Yes. Approvals come to you in the Bizflow app with the amount, budget, and quotes, and you approve or reject in a tap. Only requests above your limit reach you.

Will my staff actually use it?

Staff request petty cash, claim expenses, and snap receipts from the Bizflow app. The forms are short and the budget check is automatic.

Do I still need an accountant?

Bizflow keeps the records your accountant needs and syncs them to QuickBooks Online or Zoho Books, or keeps the whole ledger in Bizflow. Your accountant reviews instead of retyping.

What does it cost?

Plans start at KES 5,000 a month on Starter, with eTIMS invoices from Growth at KES 12,000. Every plan has a 14-day free trial.

Can I start with just petty cash?

Yes. Many owners start with petty cash and approvals, then add budgets, bills, eTIMS, and bulk payments as they grow.

Who can see our numbers?

You decide. Roles and permissions control what each person can see and do, and every change is recorded in the audit trail.

Does it handle eTIMS?

Yes, from the Growth plan. Bizflow is a KRA-certified eTIMS integrator. Invoices are signed when they are sent, and supplier invoices are checked with KRA before you pay.

Start small, grow into it.

Owners usually start on Starter for petty cash, expenses, approvals, budgets, and the Wallet, and move to Growth when they need eTIMS invoices, purchase orders, bills, and bulk payments.

Compare all plans

StarterMost owners

KES 5,000 a month

Or KES 4,500 a month, paid yearly

✓Expenses and petty cash
✓Approvals and budgets
✓Bizflow Wallet with M-PESA
✓Accounting sync
✓Bizflow AI with Claude

Growth

KES 12,000 a month

Or KES 10,800 a month, paid yearly

✓Everything in Starter
✓eTIMS invoices and credit notes
✓Purchase orders and bills
✓Bulk payments
✓Payment reconciliation