Baru runs your whole business and builds your path to a loan.
Record sales, audit your stock automatically, and let Baru do your accounting for you. No accountant needed. Mmuo tells you what to do next. Use Baru regularly and your Baru Score grows. A higher score helps you qualify for financing.
- 7 days free, everything in Starter
- Android, iPhone & web
- Unlimited shops and staff
Everything your business needs, in one place.
Sell
Receipts, invoices and part-payments in seconds. Know who owes you.
Stock
Automatic audits show exactly what is missing.
Books
Your accounting, done for you: profit, balance sheet and cash flow. No accountant needed.
Mmuo
Your business advisor: what sells, what to restock, where money is stuck.
Every day on Baru builds your path to financing.
Use Baru regularly and your Baru Score grows. A higher score helps you qualify for financing as your business grows.
- See your score any time, on your phone or computer
- As your score grows, you can qualify for financing
- Your records stay yours. We never touch your contacts.
Baru is not a bank. Your Baru Score shows how ready your business is for financing.
Keep recording sales to grow your score.
Example of the Baru Score in the app
Mmuo: the spirit of your business. The advisor that knows your business.
Mmuo is Igbo for “spirit”Mmuo reads your sales, your stock and your money, then tells you in simple words what is working, what is not, and what to do next.
What's selling
Fast sellers, top earners and what is slowing down.
Before it runs out
“Order now, 3 days of stock left.”
What to restock
Tell Mmuo your budget. It says what to buy and how many.
Money stuck
Find goods that are not moving, so money stops sleeping on the shelf.
Supplier prices
See which suppliers are raising their prices.
Festive seasons
Plan for holidays and busy periods before they arrive.
Plus: rent and bills set aside before you buy, profit goals, one-tap purchase orders, and a check on whether last month's plan made you money.
Example screen
Your accountant is already inside Baru.
We do your accounting. You don't need to hire an accountant.
Just sell, buy and record expenses as usual. Baru writes every naira into your books by itself.
What Baru does for you, automatically:
- Writes every sale, purchase and expense into proper books (double-entry ledger)
- Who owes you, who you owe, and for how long
- Your real profit, any month (profit and loss)
- Balance sheet and cash flow, ready to download
- Bank reconciliation and statement audit: your bank statement checked line by line
- Tracks your assets and how their value drops over time (depreciation)
- Tax insights: your VAT and company income tax estimate before it is due
- Keeps your books in clean accounting periods, month by month
- Warnings when money is getting tight
When you need an accountant, the bank or the tax office, your reports are ready in one tap (PDF or Excel).
This month · example
- Sales
- ₦2,450,000
- Money owed to you
- ₦210,000
- VAT estimate
- ₦41,500
Hiring an accountant vs Baru
Baru checks your bank statement against your sales record, line by line.
Upload your bank statement as a CSV or Excel file. Baru matches each bank line to the sales, payments and expenses you recorded, then shows you what matches and what does not.
How it works
Upload your bank statement
Download it from your bank as CSV or Excel, then upload it to Baru.
Baru matches everything
Each bank line is checked against your sales, payments and expenses.
See what's missing
Matched lines get a tick. Anything that does not match is flagged for you.
3 need your attention
- !Transfer ₦15,000 — not on statementCustomer showed an alert. Money never came.
- ₦Bank charge ₦250 — not recordedTaken by the bank. Not in your books.
- !Sale ₦8,500 — money not in bankRecorded by staff. No payment found.
Plus statement audit: Baru looks through your whole statement and points out lines you should check.
Baru does not log into your bank. You upload the statement yourself, so you stay in control.
Why it matters
Catch fake transfer alerts
A customer shows you a transfer alert, but the money never arrives. Baru shows you it is not on your statement.
Spot hidden bank charges
See SMS fees, stamp duty and other deductions you did not know about.
Find sales with no money
Your staff recorded a sale, but the money never came into your account.
Know your real balance
See the money you truly have, not just what your notebook says.
Clean records for financing
Clean, trusted records help you qualify for financing as your Baru Score grows.
Goods missing? Money not adding up? Baru shows you.
Automated inventory audit
Baru checks what you should have against what is on your shelf, then shows you what is missing, what sold and what moved. Your full audit report is ready in one tap.
Control your staff
Decide what each staff member can see and do. Confirm sales without calling the shop.
Many shops, one phone
See every outlet, move stock between them, and compare sales.
Sell in more places, without opening a new shop.
Let marketers sell for you. They earn a commission you set. You see every order.
Marketers are people who sell your goods to their own customers: in other markets, other streets, even other towns. Baru helps you manage them in one place, so your business reaches more customers without hiring full-time staff.
How it works
Add your marketers
Bring in the people who sell for you, and decide the commission they earn.
They place orders for customers
Your marketers place orders for their customers directly in the Baru app.
You see everything
See each marketer's orders, performance and earnings, on your phone or computer.
- Chidinma O.Top sellerOnitsha · 34 orders₦1,120,000Commission ₦56,000
- Tunde A.Ikeja · 22 orders₦836,000Commission ₦33,440
- Hauwa M.Kano · 15 orders₦530,000Commission ₦26,500
Example figures. You set your own commission.
Manage your marketers from your phone or computer. Your marketers place orders in the Baru app.
Why it grows your business
Reach new customers
Marketers bring you buyers who may never walk into your shop.
Sell in more places
Other markets, other areas, other towns. No new shop, no extra rent.
Pay for results
Marketers earn the commission you set. You don't need to pay a full-time salary to sell in a new area.
No more guesswork
Every order comes into Baru, so you know who sold what, and to which customer.
Know your best marketers
Compare performance and earnings, and see who is bringing in the most sales.
Too busy to type? Just send a voice note.
Talk to Baru on WhatsApp in English or Pidgin, and it records the sale for you. Ask how much you sold today and get the answer in seconds.
online
2 cartons tomato paste for Mama Chidi: ₦38,000. Paid ₦20,000. Balance ₦18,000.
Example chat
Three steps and you're running.
Sign up
Download the app or use the web. An agent can set you up.
Add your goods
Type them in or upload your Excel sheet.
Sell, and let Mmuo advise
Every sale updates your stock, your books and your Baru Score.
Hear from business owners using Baru.
Swipe to read more →
Since we ditched spreadsheets and started using Baru over two months ago, we have experienced unprecedented visibility into everything happening in our stores. Knowing my inventory movements in real time has given me so much confidence to plan the future of my business.
The reporting feature is a powerful tool. The web app and automated audit feature give me control of my business.
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.
Keeping track of my inventory, sales and general operations has never been better. All I need to do is create an invoice or receipt, and my entire record, including inventory, debtors and sales, is balanced accordingly. I know how much inventory I am carrying at any time.
Baru has been useful for me. My favourite features are the reporting and automated audit. I have stopped staying up late, punching calculators and flipping through books. Now my weekends are for relaxing.
Before Baru, I had used different apps to reduce theft 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.
One price per business. Unlimited shops and staff.
Try everything in Starter free for 7 days. After that, choose a plan and pay quarterly or yearly to keep using Baru.
Starter
Works out to ₦8,000 a month
- Unlimited outlets, staff, products, invoices and reports
- Automatic books and Baru Score
- Mmuo insights and alerts
- 10 Mmuo buying plans a month
- 5 audits and 10 stock counts a month
Growth
Works out to ₦18,000 a month
- Everything in Starter
- 40 Mmuo buying plans a month
- 20 audits a month
- 50 stock counts a month
Pro
Works out to ₦30,000 a month
- Everything in Growth
- Unlimited Mmuo buying plans
- 100 audits a month
- 200 stock counts a month
7-day free trial with everything in Starter. After 7 days, pick a plan to continue. There is no free plan after the trial.
| Compare plans | Starter | Growth | Pro |
|---|---|---|---|
| Price | ₦24,000 / qtr | ₦54,000 / qtr | ₦90,000 / qtr |
| Outlets, staff, products, invoices, reports | Unlimited | Unlimited | Unlimited |
| Books and financial statements | ✓ | ✓ | ✓ |
| Baru Score | ✓ | ✓ | ✓ |
| Android, iPhone & web | ✓ | ✓ | ✓ |
| Mmuo insights and alerts | ✓ | ✓ | ✓ |
| Mmuo buying plans a month | 10 | 40 | Unlimited |
| Stock audits a month | 5 | 20 | 100 |
| Stock counts a month | 10 | 50 | 200 |
Know traders in your market? Earn with Baru.
Become a Baru agent. Help shops run better, and earn with Baru when they join.
Questions traders ask us
What do I get in the free trial?
Everything in Starter, free for 7 days.
What happens after 7 days?
Choose Starter, Growth or Pro and pay quarterly or yearly to keep using Baru. There is no free plan after the trial.
Can I pay monthly?
No. Plans are paid quarterly or yearly. Yearly saves you 10%.
Do I pay for each shop?
No. One price per business, with unlimited outlets and staff.
Are the books and Baru Score in every plan?
Yes. Every plan includes automatic books and your Baru Score, on Android, iPhone and the web.
Do I still need to hire an accountant?
No. Baru does your accounting for you. Every sale, purchase and expense goes into proper books by itself, and your profit and loss, balance sheet and tax estimate are always ready. If the bank, the tax office or an accountant ever asks for your books, download them in one tap.
What is bank reconciliation, and do I need it?
Bank reconciliation means checking your bank statement against your own sales and expense records, to be sure they agree. If customers pay you by transfer or POS, you need it. Upload your statement as CSV or Excel, and Baru matches every line for you. It shows anything missing, like a fake transfer alert or a bank charge you did not record.
What is a marketer, and how does it work in Baru?
A marketer is someone who sells your goods to their own customers and earns a commission from you. They don't need to be full-time staff. In Baru, you add your marketers and set their commission. They place orders for their customers directly in the Baru app, and you can see each marketer's performance and earnings at any time.
Is Baru a bank or a loan app?
No. Baru is not a bank. Your Baru Score shows how ready your business is for financing, and a higher score helps you qualify as you grow. We never touch your contacts.
How does the automated audit work?
Baru already knows what you bought, sold, returned and moved between shops. When you run an audit, it compares what you should have with what you actually have, and gives you a clear report of any missing goods. No calculator, no long nights with notebooks.
Start today. Your Baru Score starts with your first sale.
7 days free with everything in Starter. On your phone and your computer.
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