AgakayiTrack customer credit, manage branches, pay workers, and collect on time — even without internet.
For commercial businesses, multi-branch retailers, restaurants, and lenders.
More than a place to write down debts, your credit ledger is business infrastructure. When the information is unreliable, money gets lost.
You only know what happened at a branch when you travel there in person.
Check live sales, customer debts, and cash across every shop from your phone.
Workers argue over sales credit and commission payouts at the end of the week.
Every sale is tied to the worker who made it, with commissions calculated automatically.
Regular customers run up huge tabs and collection conversations get uncomfortable.
Diners and regulars pay upfront for monthly meals or tabs, and each visit deducts from their balance.
Customer debts and what you owe suppliers are scribbled in different paper notebooks.
See what customers owe you on one side and what you owe suppliers on the other.
Your notebook keeps a record. Agakayi helps you run the business behind it.
See how it worksChoose the workflow that matches your needs. Agakayi adapts the ledger, calculations, and tools around how you manage credit.
For personal tracking of money you owe friends, money owed to you, and recurring utility bills.
I-owe / They-owe tracking · Recurring bills & utilities · Due-date reminders · Personal balance summary
Personal visibility & clear records
Start personal ledgerFor multi-branch retail, restaurants, wholesalers, and enterprises managing credit, staff payouts, prepaid subscriptions, and suppliers.
Multi-branch location oversight · Staff sales attribution & commission payouts · Prepaid dining & customer meal plans · Wholesale supplier payables · Customer credit ledgers & trust scores
Multi-location control & predictable cash flow
Start business ledgerFor micro-lenders, credit institutions, SACCOs, and cooperatives managing structured loans, member funds, and borrower portfolios.
Borrower portfolios · Loan principal, interest & penalty terms · Installment repayment schedules · Portfolio risk & collection monitoring
Portfolio health, compliance & on-time collections
Start lending ledgerManaging multiple branches, paying staff fairly, balancing wholesale bills, and recovering debts should not take all day. Agakayi gives you clear records you can trust.
Track sales, customer debts, and cash balances across every store and location from your phone, without travelling in person.
See exactly what each worker sold, calculate their commission without disputes, and record when you pay them.
Let regular diners and customers pay upfront for the month, and deduct each meal or order automatically as they visit.
Keep what you owe wholesale suppliers separate from what customers owe you, so you always know your real cash flow.
Check repayment history and reliability before deciding to give a customer more credit.
Manage borrower terms, repayment installment schedules, interest rules, and penalty calculations in one place.
Record sales, issue credit, and log payments right on the floor with zero signal. Syncs automatically when online.
Every sale, loan payment, balance adjustment, and worker payout is saved with the exact timestamp and user name.
Set up your first branch or lending ledger in under two minutes. No hardware or credit card required.
From customer credit and upfront dining subscriptions to loan portfolios, supplier debts, and employee commissions — Agakayi keeps your entire business organized.
Log credit sales, upfront meal tabs, loan disbursements, or supplier invoices in seconds, even with no signal.
Sales are credited to workers, meal costs are deducted from customer balances, and trust scores update automatically.
Pay worker commissions with clear receipts, settle supplier invoices on time, and send polite payment reminders.
Set up your first branch or lending ledger in under two minutes.
Everything you need to know about using Agakayi to manage credit, repayments, and everyday business debts.
Yes. You can add separate branches, assign workers to each location, track branch-specific sales and customer tabs, and see overall business numbers from a single dashboard.
Whenever a worker records a sale, Agakayi credits the sale to them and calculates their commission based on your agreed rate. You can log salary advances, deduct debts, and keep a clean receipt of every payout.
Customers or diners pay upfront — for example, a monthly canteen meal plan or a prepaid cafe tab. With every visit, the order amount is deducted from their balance, giving you guaranteed cash upfront without chasing debts.
Yes. You can create borrower profiles, set loan amounts, principal, interest, and penalty rules, schedule repayment installments, and track defaults.
Yes. Agakayi has a dedicated supplier ledger. You can record stock received on credit from suppliers, log partial settlements, and balance what you owe against what you are owed.
Yes. Agakayi is built offline-first. You can issue credit, deduct from prepaid subscriptions, record sales, and log payments without connectivity. Records sync automatically once you have signal.
Have questions about branches, loans, or custom setup?
Our team can walk you through the platform and answer your questions.
Join businesses, lenders, and merchants across East Africa who manage branches, payments, and credit in Agakayi.