CashTrace is built to simplify the receivables-to-cash cycle for SMEs. Track every invoice, record every payment, resolve unmatched transactions faster, and follow up consistently — so less money gets stuck in receivables.
Many SMEs do not struggle because they lack sales — they struggle because they cannot collect what they are already owed efficiently. Invoices are tracked across spreadsheets, WhatsApp chats, paper files, PDFs, and memory, which makes it hard to know what is outstanding, what has been paid, and what needs follow-up.
Payments also arrive through mixed channels like M-Pesa, bank transfer, cash, and cheque, often with incomplete or unclear references. That creates a daily reconciliation burden, slows collections, and leaves business owners and finance teams without a reliable view of overdue accounts. By the time the problem becomes obvious, it is often already affecting cashflow.
Invoices are tracked across spreadsheets, WhatsApp chats, paper files, PDFs, and memory — making it hard to know what is outstanding, what has been paid, and what needs follow-up.
Payments arrive through mixed channels like M-Pesa, bank transfer, cash, and cheque, often with incomplete or unclear references. That creates a daily reconciliation burden.
Follow-ups rely on memory, inbox searches, or ad hoc WhatsApp messages. No workflow, no escalation path, no audit trail for who was reminded and when.
External accountants work from stale exports, email attachments, or USB-delivered files. By the time they see the numbers, the cash crisis has already hit.
CashTrace is built to simplify the receivables-to-cash cycle for SMEs. Instead of forcing businesses into a full accounting transformation, CashTrace focuses on one high-value workflow: making collections easier, more visible, and less manual. It gives owners, finance/admin users, and accountants a shared view of receivables so they can act earlier, follow up faster, and reduce avoidable cashflow leakage.
CashTrace makes it easy to bring invoices into one structured system, whether they start as PDFs, photos, or manual entries. The platform captures key details like invoice number, customer, dates, totals, VAT, and status so teams no longer have to search across files and messages to understand what is outstanding.
Once an invoice is saved, it becomes part of a clear lifecycle from draft to sent, partially paid, paid, overdue, or written off. That means every receivable has a searchable history, linked payments, notes, and a current status — giving finance teams a cleaner and more reliable starting point for collections.
CashTrace helps teams record payments from the channels SMEs already use, including M-Pesa proofs, bank statements, and manual payment entries. Instead of reviewing each one line by line, the system extracts useful details such as amount, payer name, date, and reference information to help match the payment to the right invoice faster.
This reduces the time spent chasing vague payment references and manually reconciling records. It also supports partial payments, overpayments, and mixed payment behavior, which are common in day-to-day SME operations but often hard to manage in basic spreadsheets.
Not every payment arrives with a perfect reference, and that is where businesses often lose time and accuracy. CashTrace gives teams a dedicated unmatched payment queue so unresolved transactions are not buried in inboxes, screenshots, or notes.
Each unresolved payment appears in one place with suggested invoice matches and tools for quick resolution. Teams can confirm a suggested match, search manually, or mark a payment as unallocated — turning what is usually a messy back-and-forth process into a structured workflow that is much easier to manage.
CashTrace gives business owners and finance teams a clean dashboard showing what is owed, what is overdue, what has been collected, and how receivables are trending over time. Instead of waiting until cashflow gets tight, users can quickly see aging balances, top debtors, and collection performance from one screen.
This visibility helps teams act earlier and prioritize follow-up more effectively. It also gives accountants and business owners a shared picture of receivables health, making it easier to spot issues before they become a larger collections problem.
Many collections problems are not caused by bad debt — they are caused by inconsistent follow-up. CashTrace helps businesses set reminder workflows around due dates and overdue accounts so teams are not relying on memory, inbox searches, or ad hoc WhatsApp messages to keep collections moving.
Businesses can define reminder timing, escalation rules, and templates so follow-up happens on schedule and leaves a clear record. This helps teams save time, stay more organized, and maintain a more professional collections process across customers.
CashTrace is designed to support both internal finance teams and external accountants. Instead of working from stale exports, email attachments, or USB-delivered files, accountants can access up-to-date receivables information, review outstanding balances, and export what they need from the same system.
This creates better alignment between the business and its finance partners. Owners get clearer oversight, accountants get cleaner visibility, and everyone spends less time reconciling disconnected versions of the truth.
Every confirmed match trains the system. After thousands of Kenyan payment patterns, CashTrace's accuracy becomes your competitive advantage.
Snap an M-Pesa screenshot, upload a bank statement PDF, or enter details manually. OCR extracts amount, date, payer, and transaction reference.
The engine cross-references invoice numbers, amounts, customer names, and M-Pesa codes using fuzzy logic. Each match gets a confidence score.
High-confidence matches (≥90%) apply automatically. Medium matches surface as suggestions. Low-confidence payments go to the resolution queue.
Every confirmed or corrected match becomes training data. The AI learns your customers' payment patterns and auto-match rate climbs toward 80%+.
CashTrace supports both internal finance teams and external accountants. Instead of working from stale exports, email attachments, or USB-delivered files, accountants get up-to-date receivables information from the same system.
Pilot users get the Business tier free for 6 months. No card required.
For SMEs getting started with receivables tracking.
Full receivables intelligence for growing businesses.
For accountants managing multiple SME clients.
CashTrace helps businesses track every invoice, record every payment, resolve unmatched transactions faster, and follow up consistently so less money gets stuck in receivables. It gives owners, finance teams, and accountants a shared view so they can act earlier and reduce avoidable cashflow leakage. Pilot users get free access for 6 months.