Oze

Oze is a business management app for small businesses in Africa and a lending management platform for banks and other lenders that serve SMEs.

Key capabilities include:

• Bookkeeping and transaction tracking for sales and expenses, including capture from SMS bank alerts to help keep records up to date
• Invoices and receipts that businesses can customize and share, including via WhatsApp
• Inventory management with low-stock reminders and stock alerts to reduce stock-outs
• Analytics and insights such as trend monitoring and dashboards to support day-to-day decisions

The platform also supports financing workflows. SMEs can apply for no-collateral loans (including working capital and inventory financing), while lenders can use digital loan applications, credit scoring (machine learning-based), and loan origination through the Oze lending management system.

Available on Web, Android, and iOS.

Target users include SMEs and MSMEs that want to digitize bookkeeping, customer and payments tracking, inventory, invoicing, and online selling, plus banks, microfinance banks, fintechs, corporates, and impact organisations that need tools to source, assess, and manage SME lending.

It is notable in Sub-Saharan African markets for combining day-to-day business tools with loan access and lender software, with confirmed offices in Ghana, Nigeria, Rwanda, and Madagascar, and usage referenced as trusted by 150,000+ businesses.

As of Jul 6, 2026, Oze is rated 3.9 on the App Store from 12 reviews and 3.5 on Google Play from 1K reviews with 500K+ installs.