---
title: "Oze: Business Management in Africa — Fees"
description: "Track sales/expenses from SMS bank alerts, manage stock with low-stock reminders, send WhatsApp invoices, and apply for no-collateral SME loans."
canonical_url: "https://liners.com/oze"
markdown_url: "https://liners.com/oze.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/oze/screenshot.webp?v=1773311337860"
published_at: "2026-03-12T14:59:36.650Z"
updated_at: "2026-10-05T05:13:12.186Z"
---

# Oze: Business Management in Africa — Fees

Track sales/expenses from SMS bank alerts, manage stock with low-stock reminders, send WhatsApp invoices, and apply for no-collateral SME loans.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Oze](/oze)

## Summary

Manage sales, inventory, and invoices, and access SME loans

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.oze.guru/ |
| Tagline | Manage sales, inventory, and invoices, and access SME loans |
| Primary country | Ghana |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [Inventory Management](/tags/inventory-management): Product feature or technology
- [Invoicing](/tags/invoicing): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Madagascar](/countries/madagascar): Market
- [Nigeria](/countries/nigeria): Market
- [Rwanda](/countries/rwanda): Market

## Related pages

- [Alternatives](/oze/alternatives)
- [Reviews](/oze/reviews)
- [Transparency](/oze/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/oze)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)