Your business is profitable. The world just can't see it yet.
Millions of African businesses are locked out of funding — not because they aren't viable, but because they have no financial records to prove it. Ledga is changing that.
Free to join · No credit card · Launching in Nigeria 🇳🇬
44M+
SMEs across Africa
5%
Using any financial software
60%
SME loans rejected for lack of records
$330B
Annual SME funding gap in Africa
The Problem
Six reasons African SMEs are locked out of capital.
The businesses are real. The revenue is real. But without financial proof, none of it counts.
01
No financial records
Most SMEs track money in notebooks or on WhatsApp. A bank asks for a Profit & Loss statement — and the business owner does not know what that is. The loan is rejected before it begins.
02
Accountants are out of reach
A qualified accountant costs ₦200,000–₦500,000 a year. For a trader earning ₦150,000 a month, that is three months of revenue spent just to prove the business exists.
03
No business valuation
Investors and grant bodies need to know what a business is worth before committing capital. Without a formal valuation, even the fastest-growing SME cannot make a credible case.
04
Existing software doesn't fit
QuickBooks and Xero require accounting knowledge, charge in dollars, and were designed for businesses with dedicated finance teams. They were not built for how Nigerian SMEs actually operate.
05
No credit history
Credit bureaus score people based on formal borrowing. Most SME owners have never had a formal loan — making them completely invisible to the systems that decide who gets funded.
06
No clarity on profitability
Many owners do not know if their business is truly profitable. Cash arrives, cash leaves, and the gap between the two is never properly measured. Growth decisions are made in the dark.
The result of all six problems combined
$330B
locked away from African SMEs every single year
Source: International Finance Corporation (IFC)
This is not a small gap
Larger than Nigeria's entire GDP
The $330 billion annual SME financing gap in Sub-Saharan Africa is the single largest unmet financing need anywhere in the world.
The root cause
Invisible businesses, not bad businesses
The businesses exist. The revenue is real. The problem is that without financial documentation, lenders and investors simply cannot see them.
The opportunity
Solved entirely by financial records
Every single barrier collapses the moment a business has clean, professional financial statements. That is the entire problem Ledga solves.
Our Vision
A continent where every business owner knows their numbers and owns their worth.
Our Mission
To give every African SME owner access to the financial intelligence they need to prove their business's value, access capital, and grow — regardless of accounting knowledge or income level.
Our Belief
The funding gap is not caused by bad businesses. It is caused by the absence of financial proof. When businesses can prove their value clearly, capital follows naturally.
Our Commitment
Built in Africa, for Africa. Priced for the Nigerian market. Designed for the business owner who has never opened a spreadsheet, let alone a Profit & Loss statement.
How We Solve It
Three things working together.
Ledga is not a bookkeeping app. It is a financial intelligence engine built around one goal — getting your business funded.
📱
Record in seconds
Log your daily sales and expenses in under 30 seconds — through the app or via WhatsApp. No forms. No accounting knowledge. Just your numbers, the way you already think about them.
🤖
AI does the rest
Ledga's AI reads your transaction history and generates complete, professional financial statements — Profit & Loss, Cash Flow, Balance Sheet — with management commentary in plain English.
📄
Walk in investor-ready
Download a professionally formatted PDF with your financials, business valuation, and investor readiness score. Walk into any bank or investor meeting knowing exactly what your business is worth.
What We Are Building
The complete financial intelligence stack.
Everything your business needs to go from invisible to investor-ready — in one place.
01
AI Profit & Loss Statement
A complete income statement with revenue, expenses, gross profit, EBITDA, and net profit — formatted exactly the way banks and investors require.
AI Generated
02
AI Cash Flow Statement
Know exactly where your money comes from and where it goes — with a written liquidity commentary.
AI Generated
03
AI Balance Sheet
Assets, liabilities, equity, and key financial ratios calculated automatically. Know your financial health at a glance.
AI Generated
04
Business Valuation — 4 Methods
P/E Multiple, Revenue Multiple, Asset-Based, and DCF — the same methods investment bankers use. Know what your business is actually worth.
Unique to Ledga
05
Investor Readiness Score
Scored out of 10 on how prepared your business is for investment or a loan — with a prioritised action plan to improve your score.
Unique to Ledga
06
WhatsApp Recording
Send "Made 85k spent 42k today" to Ledga on WhatsApp and get your profit confirmed instantly. No app needed. Works on any phone.
Zero Barrier
07
Know your tax status under Nigeria's new 2026 law — automatically.
Nigeria's tax rules changed on January 1, 2026. Most SME owners don't know what it means for them. Ledga tells you exactly where you stand — no accountant, no confusion, no surprises.
Built for 2026
Nigeria Tax Act 2026
Know your tax status under Nigeria's new 2026 law — automatically.
Most SME owners don't know what the new law means for them. Ledga tells you exactly where you stand — no accountant, no confusion, no surprises.
Why Join Today
Early members get things nobody else will.
We are building Ledga with our earliest members — not just for them. Joining today means you shape the product, get rewarded for it, and launch with an unfair advantage.
🎁
3 Months Free — Pro Plan
Waitlist members get 3 full months on our Pro plan at zero cost when we launch. Full AI reports, business valuation, investor readiness score, and PDF export — completely free.
🔒
Founding Member Price — Locked for Life
When pricing increases at scale, your rate stays fixed at the founding member price forever. You never pay the public rate.
🎯
Direct Line to the Founders
Your feedback shapes features and priorities. Early members have direct access to the founding team and a say in how Ledga is built.
🚀
First Access at Launch
You get in before the public — meaning your records, reports, and valuations are being built months before anyone else even signs up.
247 business owners already waiting
Ready to know what your business is worth?
Join the waitlist today. It takes 60 seconds and costs nothing.
Reserve your free spot
3 months free on Pro · Founding price locked in · First access at launch
No credit card · No spam · Cancel anytime
✓
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Welcome to Ledga. We will reach out the moment we launch. Share with another business owner to move up the queue.