What is Oze and how does it work?

Oze is a business management app for small businesses that helps you track sales and expenses, send digital invoices and receipts, monitor business performance through a dashboard, and access business coaching. The app also connects you with a network of entrepreneurs and can help you apply for small business loans when you're ready to grow.

What countries does Oze operate in?

Oze operates across Africa, with a focus on serving small and medium-sized businesses in the region.

Does Oze have a mobile app?

Yes, Oze has a mobile app available on Android through Google Play and other platforms.

Who is Oze best suited for?

Oze is best suited for small business owners and entrepreneurs who want to manage their finances, track performance, and access growth capital and business coaching support.

Does Oze have a plan for teams or businesses?

Yes, Oze offers enterprise services with custom solutions designed for banks and microfinance institutions to work with portfolios of small businesses.

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Oze: Funding, Reviews & Alternatives (2026) – Liners

Oze

🇬🇭 Ghana 🇲🇬 Madagascar 🇳🇬 Nigeria+1 more

A business app for African SMEs to track sales and expenses, manage inventory, send invoices and receipts, sell online, and apply for no-collateral loans.

Available on:WebAndroidiOS

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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 through the Oze lending management system.