Built for African SMEs

Your accounts payable
agent that never
sleeps

Fimbo captures bills via WhatsApp, schedules payments, chases late payers, and syncs with M-Pesa — all autonomously. Stop managing payables. Start running them.

WhatsApp-native
Trusted by SMEs across Tanzania
94%
of Tanzanian SMEs use mobile money for payments
TZS 198B
mobile money processed in 2024 — and growing
3.2x
average reduction in late payments with automated AP

One agent. Full accounts payable.

Fimbo replaces the spreadsheet, the WhatsApp chaos, and the part-time bookkeeper with one AI agent that runs your payable process end to end.

Capture via WhatsApp

Forward any invoice or supplier message to Fimbo. It reads it, extracts the amount, vendor, and due date, and creates a payable record — no app, no login, just WhatsApp.

Forward to Fimbo Invoice captured Payable created

Auto-schedule payments

Fimbo learns your cash flow rhythm. It schedules payments for when you have cash, avoids weekends and M-Pesa off-peak hours, and batches disbursements to save on fees.

Chase late payers — 24/7

If you're owed money, Fimbo sends polite WhatsApp reminders on day 3, 7, and 14. Escalates tone appropriately. Never lets a payment fall through the cracks.

M-Pesa integration built in

Pay any supplier via M-Pesa directly from the Fimbo dashboard. Track every payment, reconcile against invoices automatically, and get a clean books file for your accountant.

Pay any supplier with M-Pesa. No bank account needed.

Most of your suppliers accept M-Pesa. Fimbo makes it the default payment rail for everything you owe — no reconciliation nightmares, no manual tracking, just clean payables.

01
Invoice arrives via WhatsApp or email
02
Fimbo creates payable, schedules payment
03
M-Pesa push sent to supplier automatically
04
Receipt reconciled. Books updated. Done.
Payment Sent
To Selcom Tanzania Ltd
Amount TZS 1,250,000
Reference Invoice #SEL-2025-0892
Status Confirmed
TXN-A7K2-9F1M
Batch payments save avg. TZS 12,000 per transaction in fees

Every shilling, accounted for.

Vendor
Amount
Due
Status
Selcom Tanzania
TZS 1,250,000
Jun 12
Paid
AzamPay Ltd
TZS 480,000
Jun 18
Scheduled
NMB Bank
TZS 3,200,000
Jun 20
Due soon
Vodacom Business
TZS 890,000
Jun 05
Overdue
PlusPesa Ltd
TZS 210,000
Jun 25
Pending
TZS 6,030,000
Total outstanding
TZS 890,000
Overdue — Fimbo chasing
TZS 1,480,000
Due this week

Accounts payable that runs itself.

Fimbo is the accounts payable agent for the African SME — built on the platforms your business already runs on. No new software to learn. No bank account required. Just payables that take care of themselves.

Made in Dar es Salaam.
Built for businesses across Africa.