SmartFinance Software

Developed by Tanzanian experts at Step Ahead Financial Consultants Ltd (SAFCO LTD), SmartFinance is designed to simplify accounting processes for local businesses. Tailored to meet the unique needs of Tanzanian enterprises, SmartFinance goes beyond generic foreign systems, offering fully customizable features that align with your business type and objectives. Our mission is to deliver high-quality, adaptable software that empowers businesses with effective, efficient, and user-friendly financial management solutions.

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Our Solutions

SmartFinance is a comprehensive financial management solution designed to transform how your business handles accounting and finances. More than just an accounting system, SmartFinance brings simplicity, efficiency, and precision to every aspect of your financial operations. From automating daily tasks to providing detailed insights, SmartFinance helps you gain full control over your business's financial health, empowering smarter decisions and better performance.

Ease of Use

SmartFinance is designed with user-friendliness at its core, offering an intuitive interface that requires minimal training. Its streamlined layout ensures that users can get started quickly, focusing on essential financial tasks without being bogged down by complex software. SmartFinance simplifies your accounting operations, empowering you to manage your finances efficiently and with confidence.

Multiple Branches Management

The system allows you to manage and track your branches transparently, without mixing data from other branches. You can get reports for each branch as well as consolidated reports for all branches.

Data Security

SmartFinance prioritizes the security of your data with robust safeguards in place. Our system ensures that your information is stored safely and confidentially. With world-class protection, you can manage your business confidently, knowing that your sensitive financial data is well-protected against breaches or unauthorized access.


Software Integration

SmartFinance can be integrated with other systems, including financial companies like banking and mobile transactions, enhancing efficiency and simplifying your financial activities. This allows your customers to make payments through their mobile phones using a Mobile Application easily, securely, and quickly.

Financial Assistance

SmartFinance revolutionizes your financial management by providing robust reporting and analytical tools that empower you to take control of your finances. With an intuitive interface, you can easily track income, expenses, loans, shares, deposits, and savings in real time. Additionally, the platform allows you to effectively manage member contributions, monitor share balances, and track investments.

Monitoring of Revenue of Your Service

You can track your revenue in detail, obtain information such as revenue by specific product or service, and take strategic actions easily to improve your business/company performance.


Mobile Application

SmartFinance includes a user-friendly mobile application that allows members to easily access transaction data—such as loans, shares, deposits, and savings—monitor their finances anytime and anywhere, conveniently repay loans and increase savings directly from their smartphones, apply for loans while attaching necessary documentation, and significantly reduces bureaucratic processes, ensuring efficient management of their finances with ease and confidence.

Human Resource and Payroll Management

The system includes human resource and payroll management services, simplifying payment processes and providing detailed reports for employees. Through this system, you can register employees, track employee attendance, plan employee leave, request employee transfers, analyze job applications more effectively (Recruitment portal), process payroll automatically, monitor employee loans, and handle other important HR matters.

Accounting Information

SmartFinance provides detailed reports on your company's financial status, including Balance Sheet, Income Statement, Cash Flow, Changes in Equity, and Detailed Accounting Notes. You can also perform bank reconciliation easily and very efficiently.


Accounting Information

Smart Accounting provides detailed reports on your company's financial status, including Balance Sheet, Income Statement, Cash Flow, Changes in Equity, and Detailed Accounting Notes. You can also perform bank reconciliation easily and very efficiently.

Fixed Asset Management

The SmartFinance system helps companies track and manage their fixed assets efficiently, such as Fixed Asset Registration, Tracking Assets and their locations, Maintenance Monitoring, Automatic Depreciation Calculation Model, and generating various accounting reports on fixed assets.

Detailed Reports and Analysis

SmartFinance provides detailed reports and analysis of various financial and operational data. These reports include Loan reports, shares, deposits, and savings reports, bank transaction reports, cash book reports, transactions per user reports etc.

Quick Decision Making

The system allows you to approve the entire payment process within the system, reducing the time spent handling files and waiting, thus simplifying the entire operational/accounting process by enabling approvals from anywhere and at any time.

Comprehensive Dashboard

Our SmartFinance system features an attractive and suitable dashboard that provides an overview of daily sales, collections, outstanding customers, paid customers, etc., along with a summary of accounting and Loan statements.

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