Bizflow

Control company spend

Every shilling approved before it moves.

Budgets, approvals, petty cash, and expenses working together, so no shilling leaves the business without a budget, an approval, and a receipt.

Book a demoSee how it works
Directors reviewing company spending on their laptops
  • Sales and marketing budget77% used · alert sent to the owner
  • REQ-1205 · generator hireStep 2 of 3 · within budget
  • PC-0421 · fuel for site visitsPaid by M-PESA · receipt in

Trusted by growing businesses across Kenya

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

Sound familiar?

Where company money quietly leaks.

Spend leaks out a little at a time: a request nobody checked, cash nobody accounted for, a claim with no receipt. Here is how Bizflow closes each gap.

  • “Requests get approved without anyone checking the budget.”

    Budget checked on every requestRequests, POs, petty cash, and expenses show what is left on the budget before they are submitted.

  • “Petty cash goes out and the receipts never come back.”

    Petty cash paid by M-PESAMoney goes straight to the person or supplier, and Bizflow chases the receipt until it arrives.

  • “Approvals depend on who is in the office.”

    Approval rules that keep movingRoutes by amount, department, and project, approvals from the phone, and delegation when someone is away.

  • “Expense claims are padded and nobody notices.”

    Policies on every claimLimits by category, per diems by trip, mileage by distance, with receipts checked against KRA.

  • “We find overspending at month end.”

    Alerts before the budget runs outBudget owners are alerted as budgets run down, and extra budget needs approval.

How Bizflow controls spend

Budget, approve, pay, prove.

Four products, one rule: a budget, an approval, and a receipt for every shilling.

Give every team a budget

Budgets by company, department, team, or project, phased by month. Every request is checked against what is left.

  • Budgets in a tree, from company to team
  • Spent and committed side by side
  • Overspending stopped, not reported
See budgets

Route approvals by your rules

Requests go to the right approver by amount, department, and project, with the budget and quotes in front of them.

  • Multi-level routes on Business
  • Approve from the phone
  • Delegation when someone is away
See approvals

Pay petty cash by M-PESA

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

  • Paid to phone, till, or paybill
  • Charged to a budget
  • Receipts chased until they come in
See petty cash

Claim expenses within policy

Staff snap receipts and claim. Policies by category and trip are checked before the claim reaches an approver.

  • Receipts checked against KRA
  • Per diems and mileage
  • Refunds by M-PESA
See expenses

What changes when spend is controlled.

Approvals on WhatsApp, with no budget in sight

Approvals by rule, with the budget on every request

A cash box and a notebook

Petty cash paid by M-PESA, with receipts

Claims checked by eye, if at all

Policies checked before the claim is approved

Overspending found at month end

Alerts before the budget runs out

Spend data rebuilt in Excel

Spend by team, budget, and project, live

The controls businesses ask us about most.

Finance associate reviewing a budget on her laptop

Overspending stopped before it happens

When a request would push a budget over, Bizflow stops it and asks for extra budget, approved by the budget owner.

  • ✓Budget checked before commitment
  • ✓Extra budget with a reason
  • ✓Approved by the budget owner
  • ✓Every change on record
See budgets
Staff member requesting petty cash on her phone

Petty cash without the cash box

No more cash floats in a drawer. Every shilling goes out by M-PESA, against a budget, with a receipt.

  • ✓Requests from the phone
  • ✓Paid by M-PESA, not cash
  • ✓Receipts chased automatically
  • ✓Spend by person and budget
See petty cash

Who it matters to

Spend control, in your world.

Every business needs spend control. These pages show what it looks like in your industry and for your role.

Control

Rules that hold, records that stay.

Set the rules once. Bizflow enforces them on every request, and records who did what.

  • Approval rulesBy amount, department, and project, with delegation.
  • Budget checksOn every request, PO, petty cash payment, and claim.
  • Roles and permissionsEach person sees and does only what their role allows.
  • Audit trailWho requested, approved, paid, and changed anything.

Connects to

  • QuickBooks Online and Zoho BooksQuickBooks Online and Zoho BooksChart of accounts and tax rates come across; expenses, bills, invoices, and payments sync back.
  • M-PESAM-PESAPayouts, paybill collections, and payment links, each matched to its record.
  • KRA eTIMSSales signed, supplier invoices checked, and the VAT summary ready before the 20th.
  • Your bankStatements uploaded and matched, with rules for the lines that repeat.
Bizflow AI · connects Claude through MCP

Ask Bizflow AI about spending.

Connect Claude to Bizflow and ask about budgets, approvals, and petty cash in plain English. Answers come from your live Bizflow data.

How Bizflow AI works
Bizflow AI Connected to Claude

Which budgets are nearly used up?

Claude read from Bizflow · Budgets

Two budgets are above 85% with a week of the month left.

  1. Projects2.10M of 2.40M88% used
  2. Facilities2.6M of 3.0M87% used
  3. Sales and marketing612K of 800K77% used

Frequently asked questions

Can budgets stop overspending, not just report it?

Yes. Requests, POs, petty cash, and expenses are checked against the budget before they are committed. Anything over is stopped, and extra budget needs approval.

Can approvals differ by amount and department?

Yes. Set routes by amount, department, project, and request type, with several levels on the Business plan and delegation when someone is away.

How does petty cash work without cash?

Staff request from their phones, managers approve, and Bizflow pays by M-PESA to a phone, till, or paybill. The receipt is snapped and chased until it arrives.

Can we set expense policies?

Yes. Set limits by category, per diems by trip type, and mileage rates. Claims outside policy are flagged before they reach an approver.

Can we start with just petty cash and approvals?

Yes. Most businesses start there, then add budgets, expenses, and procurement.

Does it work with our accounting system?

Yes. Bizflow syncs expenses, petty cash, bills, invoices, and customer payments to QuickBooks Online or Zoho Books, and brings your chart of accounts, tax rates, suppliers, and customers across. Or keep the whole ledger in Bizflow, with journals, bank reconciliation, trial balance, profit and loss, balance sheet, and cash flow.

Start controlling spend this month.

Spend control starts on Starter, with petty cash, expenses, approvals, budgets, and the Wallet. Growth adds purchase orders, bills, and bulk payments.

Compare all plans

StarterWhere most start

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

  • ✓eTIMS invoices and credit notes
  • ✓Requisitions, purchase orders, and bills
  • ✓Bulk payments
  • ✓Payment reconciliation
  • ✓10 users and 3 branches

Know where every shilling goes.

Book a demo and see budgets, approvals, petty cash, and expenses working together in Bizflow.

Get started Book a demo