Alternative Financing for your Business
Baru is the complete financing solution for businesses. Get funds for business expansion without stress and the tools you need to run your business with excellence.
- Zero-interest, no-collateral business loans
- AI-powered business data intelligence
Baru is the complete financing solution for businesses. Get funds for business expansion without stress and the tools you need to run your business with excellence.
Unable to access finance for your business?
Tired of high-interest and difficult-to-access loans?
Losing money to employee theft and operational inefficiencies?
Troubles with making and receiving payments?
Don’t have visibility of daily operations across your different branches?
Baru is your all-inclusive Business Partner
From zero-interest loans to AI-powered credit scoring, Baru gives you everything you need to grow—on your terms
Access this innovative financing option and run your business without worrying about inconvenient terms. (T&C applies)
Access financing designed for your needs, from short-term inventory loans to long-term expansion capital
Every transaction on Baru builds a credible, verifiable record that lenders trust
Submit loan requests and receive competitive offers
Analyzes your real business performance, giving lenders a true picture of your potential, beyond traditional credit checks
Manage your loan offers, accept terms, and track repayments all within the Baru ecosystem
Run Your Business Smarter, Not Harder
Baru gives you the tools to stay in control, eliminate losses, and grow with confidence
Run Your Business Smarter, Not Harder
Baru gives you the tools to stay in control, eliminate losses, and grow with confidence
Your 4-Step Journey To Growth
Digitize your operations, run smarter, gain full visibility, and unlock financing—all from one powerful platform
ORGANIZE & DIGITIZE
Set up in minutes—organize inventory, run your first smart count, and print barcodes. Do it yourself or let our experts handle it with SMaaS
OPERATE WITH EXCELLENCE
Run daily operations with Baru—record sales, track inventory in real-time, and manage staff. Every action builds your financial story
GAIN PERFECT VISIBILITY
No more guesswork—get instant reports and automated audits that flag issues and keep you in control
UNLOCK FINANCING
With clear records, you’re ready. Request financing on Baru, get competitive offers from lenders, and choose the best to fuel your growth
Your 4-Step Journey To Growth
Digitize your operations, run smarter, gain full visibility, and unlock financing—all from one powerful platform
ORGANIZE & DIGITIZE
Set up in minutes—organize inventory, run your first smart count, and print barcodes. Do it yourself or let our experts handle it with SMaaS
OPERATE WITH EXCELLENCE
Run daily operations with Baru—record sales, track inventory in real-time, and manage staff. Every action builds your financial story
GAIN PERFECT VISIBILITY
No more guesswork—get instant reports and automated audits that flag issues and keep you in control
UNLOCK FINANCING
With clear records, you’re ready. Request financing on Baru, get competitive offers from lenders, and choose the best to fuel your growth
An Ecosystem Designed for Mutual Success
- Join the platform designed to help you succeed
- Eliminate profit loss from theft, waste, and errors
- Build a credible financial history that lenders understand
- Gain instant, 24/7 visibility into your business health
- Access a competitive marketplace for business loans
- Partner with Baru to access a new, de-risked asset class. Deploy capital with unprecedented insight and efficiency
- Access a pipeline of pre-vetted, high-potential MSMEs
- Make decisions with real-time data—inventory, cash flow, and sales—not just past records
- Reduce risk with our proprietary AI-driven credit scoring
- Manage your entire loan portfolio on a single, streamlined platform
The Future of Your Business Starts Today
Manage Your Business From Anywhere
Whether you’re behind the counter, in the warehouse, or on the move, your business is always at your fingertips
Simple, Adjustable, and Affordable Plans for Every Business Size
Choose the Baru plan that fits your business needs and budget. Start free forever, or unlock powerful features for inventory management, multi-outlet control, and in-depth reporting with our affordable paid plans. All paid plans come with a 14-day free trial. Prices shown are per outlet, per month.
Hear From Our Happy Business Owners
Trusted by growing businesses across Nigeria — from supermarkets to electronics shops to all kind of businesses
Jamgra Nigeria Enterprise Computer Village, Ikeja
Since we ditched spreadsheets and started using Baru over two months ago, we have experienced unprecedented visibility into all the happenings in our stores. Knowing in real-time my inventory movements at any time has given me so much confidence to plan the future of my business.
Okenmuo Augustine
Sona Solar Alaba International Market
The reporting feature is a powerful tool. I have been using Baru’s stock management service for some time now. Having someone come in to count everything helps me stay sure of what I really have in stock. It’s been worth it every time. The web app and automated audit feature give me control of my business.
Gbemisola Imran
Wholesale Shop owner Yaba
Baru is really responsive to feedback. I love that I can manage my business better with the web version, choose payment types, and even select inventory methods like FIFO or LIFO. If you’re running a business, you should try Baru
Uche
Danda Chemicals Limited, Yaba
Keeping track of my inventory, sales, and general operations has never been better. All I need to do is create an invoice/receipt, and my entire record, including inventory, debtors and sales, is balanced accordingly.
I know how much inventory I am carrying at any time, which is a valuable insight for my kind of business.
Chukwuma Nnamdi
CEC Ayigo and Sons. Alaba International
Baru has been useful for me, my favourite features are the reporting and automated audit. I have stopped staying up late, punching on calculators and flipping through books. Now my weekends are for relaxing
Sanjay
Sanjay Multiplelinks Computer Village
Before Baru, I had used different apps to reduce the amount of theft happening in all my branches; they all failed. Since we started using Baru, Business has been different and easy; the barcode makes counting fast, and I can manage all my staff from my phone. No more leakages
Frequently Asked Questions
Find quick, clear answers about our pricing plans, features, financing access, and how Baru supports your business growth
How exactly does Baru help my business get funded?
It’s a simple and effective process:
- You use Baru Business to manage your daily operations (sales, inventory, payments).
- When you request a loan, we present this performance data – like your actual sales velocity and inventory turnover – to lenders on our Lending Marketplace. We use a powerful AI model to come up with a credit score as an addition to the data we present.
- Lenders can finally see your true potential beyond traditional, often incomplete, paper records. This allows them to lend with confidence, getting you competitive loan offers.
How easy is it to set up my business on Baru?
Getting started is beautifully simple. You can sign up in minutes on the web or mobile app. To add products, you can enter them manually, upload a spreadsheet, or scan them in. Every product you add is a step towards building a verifiable business record for financing
Do I need to buy special hardware like barcode scanners?
No, you can start immediately with what you already own. The Baru mobile app uses your smartphone’s camera as a powerful barcode scanner for sales and stock counting.
Can Baru handle my business if I have multiple store locations?
Absolutely. Baru is built for growth. Our multi-outlet support allows you to manage inventory, track sales, transfer stock, and view performance reports for all your locations from a single account, giving you total command over your entire enterprise.
How does Baru generate barcodes for my products?
When you add a new product without a barcode, Baru can instantly generate a unique barcode for it. You can then print these as labels and attach them to your items, ensuring every product is tracked accurately from purchase to sale.
Is my sensitive business data secure with Baru?
Yes. We treat your data with the highest level of security. We use encryption and secure, cloud-based infrastructure to ensure your business information is protected, confidential, and always accessible to you alone.
Can I control what my staff can see and do on the app?
Yes. You have granular control with our Staff Management feature. You can create custom roles and assign specific permissions for each employee, ensuring they only have access to the functions and information relevant to their job.
What happens after the free trial? How does pricing work?
Our free plan allows you to start digitizing your operations and building your business’s financial history at no cost. During your trial of our paid plans, you’ll get access to advanced features. Afterwards, you can choose to subscribe to a paid plan for continued access to premium features or continue on the free plan.
What is Stock Management as a Service (SMaaS)?
SMaaS is one of our premium services. Our trained professionals will conduct your physical stock counts and audits for you. This saves you time and provides an accurate, independently verified report, which is incredibly valuable for auditing and strengthening your financing applications.
