# Clara > Clara is a bookkeeping and business management app for small and micro businesses in Nigeria. The owner tells Clara what happened, in their own words, and Clara keeps the sales, debts, customer orders, stock, invoices and receipts, and shows how the business is doing. Nothing is saved until the owner says yes. Clara is for anyone who sells things, makes things or does work for customers: provision shops, supermarkets, tailors and fashion designers, bakers, caterers, food vendors, restaurants, salons and barbers, POS agents, pharmacies, phone shops, boutiques, repairers, printers, event planners, farmers and traders. ## What Clara does - Records sales, spending, payments and credit from plain messages such as "Sold 2 bags of rice to Damilare for 48k, he paid 20k cash". Clara shows a card and nothing is saved until the owner taps Save. - Keeps customer debts and supplier debts apart, with a polite reminder ready to send on WhatsApp. - Keeps customer orders and jobs: what was ordered, the deposit, what is left to pay, the due date and the stage (new, in progress, ready, delivered). Income is counted when the order is handed over. - Keeps stock in the owner's own measures (bags, cartons, jerrycans), says what is left and about how long it will last, and records losses. - Makes invoices and receipts with the business's name, logo and bank details, to share on WhatsApp. - Answers questions from the owner's own records: best customers, who stopped buying, profit, who owes what. - Gives a tax summary under the Nigeria Tax Act 2025 and a report for a bank loan. - Lets staff record sales without seeing profit, costs or money. - Works with bad or no network and sends records when the connection returns. ## How Clara keeps the books accurate - The AI only reads the owner's words. Clara's own rules check every amount against what the owner said and do the sums in code. - An amount the owner never said cannot be saved; Clara asks one short question instead of guessing. - Corrections add a new record; history is never erased. ## Guides for small business owners (step by step, with naira examples) - [Do I pay tax on my small business in Nigeria? The 2026 rules in plain words](https://clara.ng/guides/small-business-tax-nigeria): If your business sells ₦50 million or less in a year, it does not have to charge VAT, and a registered company of that size pays no company income tax. If the business is in your own name, you pay personal income tax on its profit, and the first ₦800,000 of profit a year is tax free. Either way, you still file a yearly return, even when no tax is due. - [Why is my business not making profit? Where your money is going](https://clara.ng/guides/why-business-not-making-profit): Most small businesses that sell well but have no money are not losing it all at once. It is leaking to six places: customers who have not paid, stock sitting on the shelf, prices that did not rise when costs did, small costs nobody wrote down, money taken home, and stock that went missing. Check each one with the steps below, starting with your last full month. - [How to keep simple business records in 10 minutes a day](https://clara.ng/guides/keep-business-records): Keep one book only for the business. Write every sale, every expense and every credit the moment it happens, and at closing count your money to check that it matches the book. That is the whole system, and the steps below show you how to set it up today. - [How to calculate the profit of your business, with a free calculator](https://clara.ng/guides/know-your-profit): Profit is what you sold, minus what those goods cost you, minus your running costs for the same period. Money in your hand is not profit: it includes money you must use to restock, and it leaves out what customers still owe you. Work it out once a month with the steps below. - [POS business in Nigeria: how to record each day and know your real profit](https://clara.ng/guides/pos-business-profit): In a POS business, the money that passes through your hands is not yours. Only the charges you add are your sales. Count your cash and your wallet balance when you open and when you close: together they should grow by your charges for the day, less the fees your provider took. Then take away your running costs to find your profit. - [How to get more customers without paying for ads](https://clara.ng/guides/get-customers-without-ads): Start with the people who already bought from you: a customer who comes back costs nothing to find. Keep their numbers, tell them when something they like comes in, ask happy customers to send a friend, and show your real work on your WhatsApp status. Ask every new customer how they heard of you, and do more of what works. - [How to raise your prices without losing your customers](https://clara.ng/guides/raise-prices-without-losing-customers): Raise your price when what an item costs you today no longer leaves your usual profit. Work out the new price from today’s cost, raise it early and in small steps rather than one big jump, tell your regular customers before they see it, and keep a smaller or cheaper choice for those who cannot pay more. - [How to collect money customers owe you without losing them](https://clara.ng/guides/collect-money-customers-owe): Agree the payment date before the goods leave your hands, write it down with the customer's phone number, take part of the money now if you can, and send a polite reminder the day before and on the day. Small, regular reminders collect more than one angry call weeks later. - [How to price your product so you are not working for free](https://clara.ng/guides/price-your-product): Add up everything it costs to make or bring one item: the materials, the small hidden costs like gas, transport and packaging, and your own time. Then add your profit on top. If your price does not cover all of that, you are paying your customers to buy from you. - [How to keep your business money and personal money apart](https://clara.ng/guides/separate-business-and-personal-money): Open a second account that is only for the business, have every customer pay into it, and pay yourself a fixed amount from it once a week. Keep business cash in its own purse. Then the business account shows what the business really has, and your own money stops disappearing into it. - [How to track your stock so you know when to restock](https://clara.ng/guides/track-stock-and-restock): Count your main items once a week in your own units, write what you bought in between, and work out how many you sold. Then set a restock level for each item: the number at which you buy more, so you never run out while you wait for the next market trip. - [How to take customer orders with deposits](https://clara.ng/guides/take-orders-with-deposits): Write every order on its own page with exactly what the customer wants, the full price, the deposit paid, the balance and the date it is due. Take a deposit that at least covers your materials before you start, and collect the balance before or at handover. - [What a lender wants to see before giving your business a loan](https://clara.ng/guides/get-ready-for-a-business-loan): Lenders want proof that your business makes money regularly and can repay: usually several months of records or bank statements, your ID and BVN, and often your CAC registration. Start building that proof today, months before you need the loan, and borrow only what your monthly profit can repay. ## What Clara keeps, one page each - [Bookkeeping app for small businesses in Nigeria](https://clara.ng/bookkeeping-app): Tell Clara what happened, the way you would tell a friend: “Sold 2 bags of rice to Damilare for 48k, he paid 20k cash”. She shows what she understood, you tap Save, and your sales, costs, debts and profit are kept for you. No columns, no accounting words. - [Debt book app: who owes you, and who you owe](https://clara.ng/debt-book-app): Say “Sold 2 bags of rice to Damilare for 48k, he paid 20k cash” and Clara keeps the ₦28,000 he still owes. She shows everyone who owes you and for how long, keeps what you owe your suppliers apart, and gets a polite reminder ready on WhatsApp. - [Customer order app: orders, deposits and balances](https://clara.ng/order-tracking-app): Say “Mrs Bello ordered a 2-tier birthday cake for Saturday, 85k. She paid 40k” and Clara keeps the order: what was ordered, the deposit, the ₦45,000 left to pay and the day it is due. New, in progress, ready, delivered: the sale counts when you hand it over. - [Stock and inventory app for small businesses in Nigeria](https://clara.ng/inventory-app): Say “Bought 6 jerrycans of groundnut oil from Mama Rukky, 270k” and Clara adds them to your stock. Each sale takes from it. She shows what is left in your own measures and about how many days it will last, so you restock before you run out. - [Invoice and receipt app for Nigerian businesses](https://clara.ng/invoice-and-receipt-app): Every sale and order you tell Clara can become a receipt or an invoice, with your business name, logo and bank details, ready to share on WhatsApp. A quote can come first, and VAT is added only when you say so. ## Contact - Email: hello@clara.ng - App: https://app.clara.ng/ - Start free: https://app.clara.ng - Instagram: https://www.instagram.com/getclara.ng/ - TikTok: https://www.tiktok.com/@useclara.ng - Privacy policy: https://clara.ng/privacy