For SMEs & scale-ups
One stack to run the whole business
Collections, payouts, payroll, CRM, invoices, credit and a real-time CFO — built for Nigerian SMEs and scale-ups that want their finance ops on one screen instead of seven tabs
One stack replaces POS, payroll, invoicing and a working-capital line. CAC verification in under 24 hours, roles and two-person approvals above any threshold, branded pay-by-link invoices and a credit line priced on your real cashflow — all on one screen instead of seven tabs.
What you get
Tools that match how you actually work
Business account
CAC verification in under 24 hours. Multi-currency, instant settlement.
Team & approvals
Roles, limits and two-person rules above any threshold you set.
Invoices & payroll
Branded pay-by-link invoices and monthly payroll on autopilot.
Working capital
A credit line priced on your real cashflow — drawn in seconds.
Accounting-ready
Live exports to Zoho, QuickBooks and Sage. Reconcile in minutes.
Virtual CFO
Runway, margin alerts, tax compliance and anomaly detection — built-in.
Get started
Make more of your money
Pay with ease, save towards your goals, and manage your everyday money in one place. Open your Pady account and start today