Stop chasing debts across WhatsApp threads and notebooks. CredFlow gives you one dashboard for customer debts, payments, and cash flow — so you always know who to call next.
Dashboard
Outstanding
₦2.4M
+8%
Overdue
8
3 new
Collected
45%
+12%
Collections trend
Last 30 days
Needs attention
Chinedu Okafor
₦45K
5d late
Adaeze Nwosu
₦120K
2d late
Tunde Adeyemi
₦8.2K
Due today
No setup calls. No training. Just three steps to start recovering what you're owed.
Save their name, phone, and business details in seconds. No spreadsheets.
Log the debt, set the due date, and CredFlow tracks the rest for you.
Record payments as they come in and watch your cash flow come alive.
Four tools that work together. Built for the way African SMEs actually run.
Track who owes what, contact history, and payment behavior in a single view. Notes, phone, business — all searchable.
Learn moreAll customers
Chinedu Okafor
₦45,000
OverdueAdaeze Nwosu
₦120,000
Due soonTunde Adeyemi
₦8,200
CurrentNgozi Bello
₦32,500
CurrentLog debts with due dates. CredFlow highlights what needs attention today — so nothing slips through.
Learn moreNeeds attention
3 debts require follow-up
#142
Chinedu Okafor
5 days late
₦45,000
#141
Adaeze Nwosu
Due today
₦120,000
#140
Tunde Adeyemi
Due Dec 20
₦8,200
Record cash, transfer, or mobile money. Every payment updates the balance and generates a receipt automatically.
Learn moreRecord payment
Chinedu Okafor · Invoice #142
Amount
Receipt auto-generated
Sent to Chinedu via SMS + email
Collection rate, aging analysis, and risk trends. Know which customers are your growth — and which are your risk.
Learn moreCollection rate
87%
+12% vs last month
On time
68%
Late
24%
Overdue
8%
Payment promises buried in WhatsApp threads
Amounts scribbled in notebooks — sometimes lost
Spreadsheets that never quite match reality
Forgotten follow-ups, awkward reminders
One dashboard for every customer, debt, and payment
Automatic reminders — no more awkward chase calls
Receipts sent instantly by SMS and email
Real numbers you can trust for cash flow decisions
We build in public. Here's exactly what's live, what's next, and what's coming later.
Starter
For sole traders just getting started.
Growth
For growing businesses that need automation.
Business
For teams with heavy collection volume.
Right now CredFlow needs an internet connection to sync your data across devices. Offline mode is on our roadmap and coming later this year.
You can record payments made via Paystack, Flutterwave, OPay, bank transfer, or cash today. Direct auto-matching for Paystack and Flutterwave is shipping soon.
All data is encrypted in transit and at rest. We follow industry standard security practices and never share your customer records with third parties.
Team seats and role-based permissions are coming soon on the Growth and Business plans. Everyone in your business will get their own login with the right access.
CredFlow is built for Naira first — that's our primary supported currency today. Multi-currency support for businesses that trade across borders is on the roadmap.
You keep all your data. If you don’t upgrade, your account moves to the Starter plan (free, up to 50 customers). No credit card is required to start.
Set up your business in under 5 minutes. No credit card required.