For SMEs who are tired of chasing payments
Your invoices aren't the problem. Your collections process is.
CashTrace gives you one place to track every invoice, match every payment, and follow up before cash gets stuck. Built for how Kenyan SMEs actually work — M-Pesa, bank transfers, and all.
Outstanding
KES 847,200
Overdue
KES 214,500
Recent invoices
+3 more invoices
Recent invoices
Live and accepting users. We'll share real numbers here as they come in.
Building with early adopters across Kenya
The real problem
You don't have a sales problem. You have a collections problem.
Invoices live in spreadsheets, WhatsApp screenshots, PDFs, and paper files. Payments arrive via M-Pesa, bank transfer, and cash — often with the wrong reference. By the time you realize someone hasn't paid, it's already been 60 days.
Meanwhile, you're spending hours every week on manual reconciliation. Your accountant is working from last month's data. And cash that should be in your account is stuck in someone else's.
We interviewed 40 SME owners in Nairobi before writing a single line of code. This is what they told us.
What changes when you stop using spreadsheets for collections
Honest scope
What CashTrace doesn't do (and why that's the point)
Not a full accounting tool
We don't do payroll, tax filing, or general ledger. If you need that, use QuickBooks or Xero. We plug into your existing workflow.
No invoice creation
We don't generate invoices for you. We organize the ones you already issue — from any source, any format.
No payment gateway
We don't process payments. We track them after they happen — M-Pesa, bank, cash, cheque — and match them to the right invoice.
We do one thing and we do it well: help you collect what you're owed.
Honest question: is CashTrace right for you?
Good fit
- SMEs issuing 20+ invoices per month
- Teams spending 3+ hours weekly on reconciliation
- Businesses receiving payments via M-Pesa AND bank transfer
- Owners who want their accountant to see real-time data
Not the right tool
- Businesses that need to CREATE invoices (use Zoho or FreshBooks)
- Companies looking for full accounting (use QuickBooks or Xero)
- Enterprises with 500+ employees (we're built for SMEs)
- Anyone expecting a payment gateway (we track, not process)
How it works
From invoice to collected cash. Three steps.
Upload your invoices
PDFs, photos, manual entry. CashTrace pulls out the key details — customer, amount, due date — and organizes everything in one searchable system.
Average time to upload first 10 invoices: 12 minutes
Match your payments
Import M-Pesa confirmations, bank statements, or log manual payments. The system suggests matches. You confirm. Done.
Pilot users matched 80% of payments in under 5 clicks
Follow up automatically
Set reminder rules. CashTrace sends them on time, every time. You get a clear audit trail of every follow-up sent.
Consistent reminders recovered 23% more overdue cash in the first 30 days (pilot avg)
What you get
Six tools. One job: get you paid.
Upload once. Track forever.
PDFs, photos, manual entries — organized records with status tracking and linked payment history.
In practice: Every invoice gets a lifecycle: draft → sent → paid → overdue → written off.
Stop matching payments by hand.
M-Pesa, bank, manual — imported, extracted, and matched to the right invoice. Handles partials and overpayments.
In practice: Pilot avg: 60% less time on weekly reconciliation.
No payment falls through the cracks.
Unclear payments land in a dedicated queue with suggested matches. Resolve in minutes, not days.
In practice: What used to be a messy back-and-forth is now a 5-minute daily check.
Know what's owed. Right now.
Outstanding balances, overdue accounts, aging, collection performance — one screen, real time.
In practice: See problems before they become cashflow crises.
Follow-up that happens whether you remember or not.
Set timing, escalation rules, and templates. Reminders go out on schedule with a clear audit trail.
In practice: No more 'I forgot to chase that invoice.'
Your accountant sees what you see. Finally.
Real-time access to receivables, outstanding balances, and exportable reports. No more stale exports or USB drives.
In practice: Owner, finance team, accountant — all on one page.
All 6 features included in every plan.
Your data
We handle your financial data. Here's how we protect it.
Encryption
AES-256 encryption at rest. TLS 1.3 in transit. Your data is encrypted before it hits our servers and stays encrypted while stored.
Hosting
Hosted on Google Cloud Platform. Servers in europe-west1. Uptime target: 99.9%.
Access control
Role-based permissions. Owner, finance, and accountant roles each see only what they need. Audit log on all access and changes.
CashTrace is subject to the Kenya Data Protection Act 2019. We process your data as a ‘data controller’ under the Act. ODPC registration in progress — we'll publish the registration number here when complete.
No certifications yet — but encryption, access control, and audit logging are built in from day one.
Pricing
Simple pricing. No surprises.
Every plan includes all 6 features. The only difference is scale.
We're finalizing pricing. Here's what we can tell you:
- →There will be a free tier for small teams
- →Paid plans will be per-business, not per-user
- →No hidden fees. No setup costs. Cancel anytime.
We're not hiding the price to negotiate later. We're genuinely still figuring it out.
Want to be first to know?
We won't spam you. Expect 1-2 emails, max.
Your cash is sitting in someone else's account.
CashTrace helps you get it back — without the spreadsheets, the screenshots, or the guesswork.
Built for a real problem. Here's where we are.
1
focused workflow — receivables to cash
6
core tools built and ready to use
3 roles
owner, finance, accountant — all synced
We talked to SME owners across Nairobi, Mombasa, and Kisumu before writing a single line of code. The same problems kept coming up:
We're early. CashTrace is live and accepting users, but we don't have big numbers to show yet. We'd rather tell you the truth than fake a metric. As real users come on board, we'll share real data here — with the same honesty.