SageFlow
One platform for loans, savings, accounting, inventory and every branch — built for how Ghanaian finance businesses really work.
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Why choose SageFlow?
SageFlow brings finance, operations, client management and administration into a single system. Head office sees every branch in real time, every transaction posts to the books under IFRS / IAS, and every user only sees what their role allows.
- Replace separate loan, savings, accounting and stock tools with one system
- Head office sees every branch — branches only see their own data
- Books that are always balanced and audit-ready
Built for businesses that move money
Switch on the modules your business needs — each kind of organisation gets a setup that fits.
Microfinance & Lenders
Run the full loan lifecycle — from application and credit scoring to disbursement, repayments and arrears.
- Loans
- Savings & Deposits
- Accounting
- Client KYC
Credit Unions & Welfare
Manage member savings, dues and benefit claims with maker-checker approvals members can trust.
- Savings & Deposits
- Welfare & Benefits
- Accounting
Drive-to-Own
Finance vehicles on hire-purchase with instalment schedules, collections and IAS 2 compliant accounting.
- Drive-to-Own
- Asset Management
- Accounting
Multi-Branch Businesses
Run stores, workshops and assets across branches, with head office oversight of every location.
- Store & Inventory
- Bespoke
- Multi-Branch
12 modules. One platform.
Finance, operations, clients and administration share one database — so nothing is entered twice and every report adds up.
Financial Services
5 modules-
Loans Management
Applications, credit scoring, approvals, disbursements, repayment tracking and arrears management.
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Savings & Deposits
Flexible savings schemes, fixed deposits, interest computation, withdrawals and statements.
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Welfare & Benefits
Member welfare schemes, dues collection and benefit claims with maker-checker approval.
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Drive-to-Own (DTO)
Vehicle hire-purchase — inventory, IAS 2 compliant accounting, instalment schedules and collections.
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Accounting & General Ledger
Double-entry bookkeeping, chart of accounts, journals, trial balance, income statement and balance sheet.
Operations
3 modules-
Asset Management
Asset register, straight-line and declining-balance depreciation, disposals and revaluation.
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Store & Inventory
Product catalogue, stock management, point of sale, sales tracking and inventory reports.
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Bespoke
Custom production for workshops and artisans — client specs, orders, workflow and payments.
People & Clients
2 modules-
Client Management
Individual and corporate onboarding, KYC documents, profiles and guarantor records.
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User & Role Management
Staff accounts, role-based access, permission groups and activity audit trails.
Administration
2 modules-
Multi-Branch Management
Business and branch hierarchy, branch-level data scoping and head office oversight.
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Settings & Configuration
Product setup, fee structures, SMS templates, fiscal periods and system preferences.
Controls that keep every branch accountable
IFRS / IAS Compliance
Every loan, deposit and sale posts to the general ledger with proper double entry.
Multi-Branch Control
Head office oversight with data scoped to each branch.
Real-Time Analytics
Dashboards and reports across every module, always up to date.
Role-Based Access
Detailed permissions for every user and branch, with full audit trails.
Maker-Checker Approvals
Sensitive transactions need a second person to approve them.
KYC & Guarantors
Individual and corporate clients with ID documents and guarantor records.
SMS Notifications
Customisable SMS templates keep clients informed of every transaction.
Flexible Configuration
Set up your own products, fees, interest rules and fiscal periods.
Live on SageFlow in four clear steps
We set it up with you, move your records across and train your team — you are never left on your own.
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01
Step 1
Discovery & setup
We map your products, branches and approval rules, and set up your SageFlow account.
Account configured -
02
Step 2
Data migration
We help move your existing clients, balances and chart of accounts into the system.
Records imported -
03
Step 3
Staff training
Hands-on training for officers, accountants, managers and administrators.
Confident team -
04
Step 4
Go-live & support
We go live with you and stay reachable by phone and WhatsApp afterwards.
Ongoing local support
See SageFlow in action
We will walk you through the system with examples from your own organisation — free, at your office or online.
Frequently asked questions
Do we have to use all 12 modules?
No. Start with the modules your business needs today — for example Loans, Savings and Accounting — and switch on more as you grow.
Can SageFlow handle several branches?
Yes. You set up your business and its branches; each branch works with its own data while head office oversees and reports across all of them.
Is the accounting compliant with IFRS?
Yes. SageFlow uses double-entry bookkeeping with IFRS / IAS treatment built into every transaction, including IAS 2 for Drive-to-Own vehicle inventory.
We already use the Susu or POS software. Can we move to SageFlow?
Yes. SageFlow includes savings and store & inventory modules, and we help migrate your records when you are ready for loans, accounting and multi-branch control.
Explore other SageIT products
Susu Management Software
Digitise your susu business — track every collection, withdrawal and commission with zero guesswork.
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POS & Inventory Software
Sell faster, track stock accurately and see your profit every day — in one shop or many branches.
Learn more
Bulk SMS Platform
Reach thousands of customers instantly with branded SMS — from our easy web portal or your own app.
Learn more
Ready to get started with SageFlow?
Book a free demo and see how it works for your organisation. No commitment required.