Distributors & Wholesalers
Track invoices and collections across hundreds of buyers
Agencies & Service Firms
Invoice clients, track retainers, reconcile payments
Schools & Institutions
Collect fees, match payments, manage receivables
Law Firms
Invoice per matter, track retainers, reconcile trust accounts
Accounting Firms
Recurring billing, payment matching, and receivables tracking
Consultancies
Project billing, milestone tracking, and receivables visibility
Architects
Phased billing, retention tracking, and project receivables
IT Services
Contract billing, payment matching, and portfolio visibility
We care about keeping your money flowing seamlessly
Invoicing, collections, payroll, expenses, and inventory. One platform for every naira in and out. Built for Nigerian businesses.
The problem
You send invoices. You get paid by transfer. Then you lose track.
Most Nigerian businesses manage invoicing and collections across Excel, WhatsApp, and bank alerts. It works until it doesn't.
Scattered across tools
Invoices in Excel, payments in bank alerts, follow-ups in WhatsApp. Nothing connected, nothing searchable.
Payments hard to match
A transfer arrives - but which invoice is it for? With multiple open invoices per customer, matching takes real time.
Where does the ₦150K overpayment go?
Partials and overpayments
Customers pay in installments or overpay. Tracking who owes what becomes a spreadsheet nightmare.
Follow-up is manual
Manual follow-up
No one knows what's overdue until someone checks. Reminders are inconsistent and chasing payment is ad hoc.
Get to know
Inflow
Replace scattered spreadsheets and bank alerts with Inflow, the only platform designed to make invoicing and collections effortless for Nigerian businesses.
Platform OverviewCreate professional invoices with line items, due dates, and your branding. Send as a shareable link or PDF. Each invoice includes payment instructions with the customer's dedicated account number.
Each customer gets a dedicated virtual account number. When they transfer, the payment is automatically detected and linked to the right customer - no manual checking required.
Payments are automatically matched to invoices. One open invoice? Auto-matched. Amount matches exactly? Auto-matched. Partial payments and overpayments are tracked and allocated cleanly.
See total unpaid, overdue invoices, paid invoices, unapplied payments, and recent activity from one dashboard. Know exactly who owes what and follow up with confidence.
Automatic notifications for upcoming due dates, overdue invoices, and payment confirmations. Your customers stay informed, and you stop chasing manually.
Run payroll, calculate PAYE, pension, and NHF deductions automatically, and pay your entire team in one click. Payslips generated after every run.
Log expenses, snap receipts, and track spending by category. Managers approve or reject with a tap. Monthly reports generated automatically.
Track stock levels in real time. When you invoice a product, stock deducts automatically. Get alerts when items run low so you reorder before running out.
New Invoice
Customer
Due date
Invoicing
Create and send invoices in seconds.
Professional invoices with line items, due dates, and payment instructions. Send as a link or download as PDF.
Create professional invoices in clicks
Add line items, set due dates, attach your branding. Generate a shareable link or PDF with one click.
Acme Distributors
8010234567 · Wema Bank
TechCorp Nigeria
8010345678 · Wema Bank
BuildCo Ltd
8010456789 · Wema Bank
StyleHQ Agency
8010567890 · Wema Bank
Every customer gets their own account
Each customer gets a unique virtual account number. Payments are automatically tied to the right customer.
Reconciliation
Payments matched. Automatically.
When a transfer comes in, Inflow identifies the customer and matches the payment to the right invoice.
Payments match themselves
One open invoice? Auto-matched. Amount matches exactly? Auto-matched. Multiple possibilities? You allocate in one click.
Invoiced
₦8.3M
Collected
₦5.1M
Outstanding
₦2.4M
Overdue
₦870K
Monthly collection rate
See everything you're owed
Total unpaid, overdue invoices, paid invoices, unapplied payments, and recent activity, all in one view.
Workflow
Stay on top of every payment.
Automatic reminders, clean exports, and a clear view of what's due, so nothing falls through the cracks.
Due in 3 days
BuildCo Ltd · INV-045
7 days overdue
TechCorp Nigeria · INV-046
Paid in full
Acme Distributors · INV-047
Due tomorrow
FoodNG Supplies · INV-044
Reminders that send themselves
Automatic notifications for upcoming due dates, overdue invoices, and payment confirmations.
Invoice Report
All invoices
.csvPayment Report
All payments
.csvReceivables
Aging report
.pdfMarch 2026 - Receivables
Apr 1
Q1 2026 - All Payments
Apr 1
Export anything, anytime
Download invoices, payments, and receivables reports. Clean data ready for your accountant or compliance team.
Payroll
Pay your team. Automatically.
Run payroll, calculate taxes, and disburse salaries in one click. PAYE, pension, and NHF handled for you.
Review and run payroll in minutes
See gross, deductions, and net pay for everyone before you approve. One click to run.
Adebayo Okonkwo
₦420,000
Chioma Nwosu
₦385,000
Fatima Ibrahim
₦350,000
Emeka Obi
₦310,000
Everyone gets paid at once
Salaries disbursed to all employees simultaneously. Payslips generated automatically after each run.
Expenses
Know where every naira goes.
Track spending, capture receipts, and approve reimbursements. No more mystery deductions at month end.
NNPC Station
Fuel
Shoprite, VI
Office
Uber Business
Travel
Spectranet
Internet
Every expense, logged and categorised
Team members log expenses as they happen. Each one tagged by category, vendor, and amount.
See how your business spends
Category breakdowns and monthly totals. Spot trends, set budgets, and cut waste.
Inventory
Always know what's in stock.
Real-time stock levels tied to your invoices. When you sell, stock updates. When it runs low, you know.
Golden Penny Flour (50kg)
320 bags
Dangote Sugar (50kg)
12 bags
Devon King's Oil (5L)
0 cartons
Indomie Noodles (40pk)
185 cartons
Stock that tracks itself
Every invoice sold deducts from stock. Every purchase order adds to it. No manual counts.
Total items
1,247
Total value
₦18.4M
Low stock
8
Out of stock
3
Top sellers this month
Your inventory health at a glance
Total items, total value, low stock alerts, and top sellers. Know exactly where your inventory stands.
Pricing
Start free.
Upgrade when you're ready.
Free invoicing to get started. Automatic reconciliation and team features when your business needs it.
Starter
Get started for free
Invoicing, payroll, expense tracking, inventory, and a simple dashboard. Everything you need to get started, for free.
- Create and send invoices
- Customer management
- Manual payment marking
- Basic dashboard
- Payroll for up to 5 employees
- Up to 50 expenses/month
- Track up to 50 products
- 1 user
Growth
Automate your collections
Automatic reconciliation, payroll with tax deductions, unlimited expense tracking with approvals, invoice-linked inventory, and team access.
- Everything in Starter
- Automatic payment matching
- Partial & overpayment handling
- Aging reports
- Team access
- Customer statements
- Smart reminders
- Payroll for up to 25 employees
- Automatic tax deductions
- Unlimited expenses
- Receipt upload
- Expense approvals
- Unlimited products
- Invoice-linked inventory
- Low stock alerts
Business
Scale with confidence
Everything in Growth plus unlimited payroll, multi-branch support, spending budgets, full inventory management, advanced reports, API access, and audit trails.
- Everything in Growth
- Multi-branch / multi-entity
- Approval workflows
- Advanced reports
- API access
- Custom branding
- Audit trail
- FIRS-ready exports
- Unlimited payroll
- Bulk disbursement
- Employee payslip portal
- Spending reports & budgets
- Multi-branch expense tracking
- Multi-location inventory
- Purchase orders
- Product profitability reports
Trusted by teams
Trusted by businesses across Nigeria
From distributors to schools, teams rely on Inflow to get paid faster and reconcile without the headache.
“We used to spend three days every month chasing payments and matching transfers on spreadsheets. With Inflow, reconciliation happens automatically. My finance team finally has their weekends back.”
Chidi Okonkwo
Managing Director, Apex Distributors Ltd
“Our clients pay into dedicated account numbers now, so we always know exactly who paid and for which invoice. No more mysterious transfers sitting in our account for days.”
Aisha Bello
Founder & CEO, Mosaic Digital Agency
“Collecting school fees from 800 families used to be chaos. Inflow gave each family their own account number and the system matches every payment instantly. It changed everything for us.”
Folake Adeyemi
Bursar, Greensprings Academy
2,000+
businesses
₦1.2B+
processed
50,000+
invoices sent
Bank-grade encryption.
You're losing money
to your old workflow
Businesses managing invoicing and collections across Excel, WhatsApp, and bank alerts lose track of payments every day. Inflow fixes all of it.
Payments hard to match
A transfer arrives in your bank. You check WhatsApp, email, and your spreadsheet trying to figure out which invoice it's for. With multiple customers, this takes real time every single day.
Auto-matched instantly
Each customer pays to a dedicated account number. When the transfer lands, Inflow knows who paid and matches it to the right invoice automatically.
Partial payments create chaos
A customer pays half now, promises the rest later. Another overpays. Your spreadsheet can't track who owes what anymore. Outstanding balances are a guess.
Every naira accounted for
Partial payments update the invoice balance. Overpayments sit in an unapplied queue. You allocate with one click. Balances are always accurate.
No one knows what's overdue
Invoices go out and disappear into the void. No one checks what's overdue until cash is tight. Follow-up only happens when somebody remembers.
Automatic reminders
Inflow sends reminders before due dates and escalates when invoices go overdue. Your customers stay informed. You stop chasing.
Scattered across tools
Invoices in Excel, payments in bank alerts, follow-ups in WhatsApp, records in email. Nothing is connected. Nothing is searchable. Nothing is real-time.
One dashboard, full visibility
Total unpaid, overdue, collected, and unapplied - all in one view. Know exactly where your money is, who owes what, and what needs attention.
Questions
Each customer gets a dedicated virtual account number. When they pay by transfer, the payment is automatically detected and matched to the right invoice based on the customer and amount.
Inflow handles both. Partial payments update the invoice balance and track the remaining amount. Overpayments are tracked as unapplied payments that you can allocate to other invoices or flag for refund.
Yes. The Starter plan is completely free and includes basic invoicing, customer records, manual payment marking, and a dashboard. Upgrade to Growth when you need automatic reconciliation and team access.
Payments are settled directly to your bank account. Inflow generates dedicated virtual account numbers for collection but does not hold your funds.
Team access is available on the Growth plan and above. You can invite team members to manage invoices, view payments, and handle reconciliation.
Inflow is built for Nigerian SMEs that invoice customers regularly and get paid mostly by bank transfer - distributors, wholesalers, agencies, schools, clinics, and B2B service firms.
Yes. You can export invoices, payments, and receivables reports at any time. The Business plan includes FIRS-ready structured exports for compliance.