DistributorsSupply hundreds of retailers on credit, run routes and keep reps' cash honest.
The business operating system for Nigerian traders
One system for credit, stock, books and collections.
Credit checks, inventory, accounting and reminders on one set of records. AI agents do the follow-up; you approve.
Free plan, no card · Web, phone and WhatsApp · English & Hausa
Credit decisions in minutesYour customer links their bank on WhatsApp. You get GO, CAUTION or NO with the reason.
One record for everythingOrders, stock, invoices and payments update each other. No more three notebooks.
Your data is yoursDownload all your records whenever you want, as Excel or CSV.
Product
Everything your business runs on, in one system.
No more credit notebook, stock spreadsheet and separate accounting app. Start with the modules you need and turn on more as you grow.
01CreditBank-based checks, limits and terms, repayments and part payments.Trader+
02Sales & inventoryOrders, price lists, stock by branch, transfers, purchasing, barcodes.Trader+
03Accounting & booksInvoices, bills, ledger, bank reconciliation, profit and loss, VAT.Distributor
04Reminders & collectionsAutomatic reminders for credits, invoices and bills; promises to pay.All paid plans
05AI agentsCollections, ordering, reorder planning, bank matching, receipts.Add-on
Credit
Know who will pay you back before you sell.
Bank-based checks with a plain reason and a suggested limit
Credit limits and terms per customer, checked on every order
Part payments, returns and WhatsApp reminders in their language
Sales & stock
Every carton, every branch, always right.
Sales orders, price lists and waybills; cartons, packs and pieces
Scan barcodes with your phone to receive, count and sell
Transfers between branches, purchase orders, batches and expiry
Retailers reorder from you on WhatsApp
Accounting & books
Clean books without an accountant chasing you.
Invoices and receipts sent on WhatsApp or email with a pay reference
Bank feeds matched to invoices and bills automatically
Profit and loss, VAT and stock value whenever you ask
Scolo AI agents
Agents that do the follow-up work. You make the calls.
They work across your credit, stock and books, reach customers on WhatsApp, follow your rules, and ask before anything moves money or stock.
Collections
Reminds late payers politely, records promises, agrees plans within your limits.
Orders
Takes retailer orders on WhatsApp and checks their credit before confirming.
Stock planner
Drafts reorders and transfers, warns you before stock expires.
Bank & paperwork
Matches transfers to invoices, reads receipts and waybills from photos.
Scolo AI is ₦20,000 a month on Business and Distributor plans.
Needs your OKPayment plan for Yusuf Garba
₦120,000 in 2 parts · paid on time 6 of 7 timesApproveDecline
₦120,000 in 2 parts · paid on time 6 of 7 timesApproveDecline
Getting started
Live in an afternoon.
- 01Register with your WhatsApp numberTwo minutes. Add your branches and staff.
- 02Bring your recordsUpload a spreadsheet or a photo of your credit book. AI reads it.
- 03Sell and trackOrders, credit and stock update together, on web or WhatsApp.
- 04Let agents follow upApprove plans, reorders and matches with one tap.
Who it's for
Built for Nigerian businesses that sell on trust.
WholesalersSeveral branches, one stock picture, price lists per customer group.
RetailersGive regulars credit with confidence and stop chasing payments yourself.
Pricing
Simple monthly plans in naira.
Pay yearly and get 2 months free. Every paid plan starts with a 14-day trial.
Trader
₦9,500 / month
₦95,000 yearly
- Credit or inventory
- 1 branch, 2 staff
- 100 WhatsApp reminders
- 1 bank credit check
Most popularBusiness
₦25,000 / month
₦250,000 yearly
- Credit and inventory
- Sales orders and price lists
- 2 branches, 5 staff
- 300 reminders, 4 bank checks
Distributor
₦60,000 / month
₦600,000 yearly
- Everything in Business
- Accounting and bank reconciliation
- WhatsApp ordering for retailers
- 3 branches, 10 staff
Add Scolo AI for ₦20,000 / month · extra bank credit checks ₦1,500 · large distributors: plans from ₦150,000Talk to sales
Questions
What does Scolo replace?
Your credit notebook, stock spreadsheets, separate accounting software and the time spent chasing payments. One system covers credit, inventory, accounting and reminders, on the web and on any phone. Customers and staff can also use it through WhatsApp, with no app to install.
Can the AI do things without asking me?
Only routine work you allow, like sending reminders. Anything that moves money or stock, changes a credit limit or goes over your amount limit waits for your OK.
Can I bring my existing records?
Yes. Upload spreadsheets, PDFs or photos of your books. On the Distributor plan we help you import products, opening stock and customers.
What if I stop using Scolo?
Download all your data as Excel or CSV at any time. It's yours.
Which languages are supported?
English and Hausa today.
Run credit, stock and books in one system.
Start free. Turn on inventory, accounting and AI agents when you're ready.