At launch
A real operating account
For sole proprietors and registered businesses. Switch between personal and business in one tap, always with a clear indicator of which hat you're wearing.
Sage Business
Run your business, not your spreadsheets.
Stop mixing personal and business money. Sage Business gives you an operating account, sub-accounts for every purpose, and records your accountant will actually thank you for.
Tanko & Sons LogisticsBusiness
Operating account₦3,420,000
Tax set-aside₦640,000
Payroll₦1,150,000
Reserve vault₦2,000,000
Total position₦7,210,000
Illustrative figures.
The toolkit
Everything an owner-operator needs, in order of when you'll need it.
After launch
Sub-accounts with a job
Operating funds, tax provisioning, payroll, supplier settlement, reserves. Move money between them and see the total versus what's available in each.
After launch
Treasury Vaults
Park surplus cash in approved business target, notice or fixed-deposit products, with terms and withdrawal rules disclosed up front. Real deposit products — not unlicensed investing.
After launch
Accountant-ready exports
Categorised transactions and clean statements, correctable by you.
Planned
QR collections
Get paid at the counter or on delivery with a QR code. Settlement lands in your account with a clear reference.
Planned
Direct-debit collections
Collect recurring payments from customers with their consent, and track every mandate and outcome.
Planned
USSD for your team
Check balances and confirm payments from any phone when there's no data.
At launch
Collect and pay
Domestic collections and supplier payments with settlement status you can reconcile. Bulk payments and payroll follow once controls are proven.
Later
Teams and approvals
Initiators, reviewers and approvers, thresholds and a full audit trail — through the app or a companion Sage Business channel.
Cash flow · this month+₦1,180,000 net
Money in₦4,500,000
Money out₦3,320,000
Largest categorySuppliers
Illustrative. Enhanced Business Intelligence is planned as a later, paid tier.
Working capital, carefully
Credit that follows your cash flow.
As your account shows how your business really moves, eligible businesses may be offered working capital through a controlled pilot. Underwriting, pricing and repayment terms will be disclosed in full before you accept.
- Affordability-based, not a blanket offer
- Repayment dates and balances always visible
- Fresh authentication on every loan acceptance
Be first through the door.
Join early access and we'll tell you the moment Sage opens in Abuja — plus first look at the app. No spam, and no commitment to open an account.