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About SBM SmartLedger

Built in Ghana, for the way Ghana saves.

SBM SmartLedger brings the trusted traditions of susu, savings and community lending into a secure digital age — without losing the human relationships at their heart. Here’s everything it does, who it’s for, and what it costs.

100%Ghanaian-built
4Plans for every size
3MoMo networks
24/7Self-service portal
Why we exist

The susu collector’s notebook deserved better.

For generations, millions of Ghanaians have saved through susu — handing a few cedis each day to a collector who records it in a paper book. It works because of trust. But paper gets lost, totals get disputed, and a growing business quickly outgrows the notebook.

SBM SmartLedger, built by PM IT Solutions, was created to protect that trust with technology Ghanaians actually recognise — daily collections, mobile money top-ups, SMS confirmations on every transaction, and a clear record both the saver and the institution can see.

From a single susu collector to a Bank of Ghana–licensed savings & loans company, the platform grows with you — adding loans, fixed-deposit investments, payroll and multi-branch tools only when you need them.

Features

Everything your institution needs, in one place.

From a susu collector’s daily round to a multi-branch savings & loans company — managed with care and complete transparency.

💰

Savings & Susu

Open accounts, take deposits and withdrawals, and confirm every transaction by SMS so clients always know their balance.

🚶🏾

Field collections

Agents record daily susu on their phone; each entry posts to the ledger with end-of-day reconciliation and variance checks.

🤝

Loans & repayments

Originate loans with clear amortization schedules, track repayments and penalties, and see the true cost upfront.

📈

Fixed-deposit investments

Offer term investments with automatic interest and maturity, funded from savings or cash.

📲

Mobile money

Customers top up via MTN MoMo, Telecel Cash and AirtelTigo Money; withdrawals route to any network.

📊

Reports & reconciliation

Real-time dashboards, statements and a balanced double-entry ledger that always ties out.

🏢

Multi-branch & payroll

Run many branches, manage staff with roles, attendance and leave, and process payroll with SSNIT/PAYE.

🪪

KYC & compliance

Capture Ghana Card details, enforce permissions by role, and keep a full audit trail for licensing.

Solutions

Made for every part of the sector.

Whatever you run today — and whatever you grow into — SBM SmartLedger fits.

Microfinance institutions

  • Multi-branch customers & accounts
  • Full loan lifecycle
  • Compliance reporting
  • Staff roles & audit trail

Susu collectors

  • Daily mobile collections
  • Agent reconciliation
  • Instant SMS receipts
  • Cash-up & variance tracking

Savings & loans

  • Savings products
  • Fixed-deposit investments
  • Loan origination & penalties
  • Revenue & payouts

Individuals & groups

  • Self-service customer portal
  • Check balances & statements
  • Request withdrawals & loans
  • ROSCA / group savings
How it works

Up and running in three steps.

1

Create your business

Sign up free, set up your branch, staff and account types in minutes.

2

Add your customers

Enrol savers, import balances, and start taking deposits, susu and loans.

3

Grow with confidence

Unlock the portal, investments and payroll as you scale — pay only for what you use.

Pricing

Simple plans that grow with you.

Start free. Upgrade as your business grows. Prices in Ghana Cedis, no hidden fees.

Starter
For a single susu or small office
GHS 250/mo
  • Customers, savings & susu
  • Daily field collections
  • Deposits & withdrawals
  • Reports & statements
Get started
Most popular
Growth
For growing microfinance
GHS 600/mo
  • Everything in Starter
  • Loans & investments
  • Customer self-service portal
  • Mobile money deposits
Get started
Premium
For multi-branch institutions
GHS 900/mo
  • Everything in Growth
  • Payroll, attendance & leave
  • Reconciliation & revenue
  • White-label branding
Get started
Enterprise
For large operations
GHS 1,200/mo
  • Everything in Premium
  • Unlimited branches & staff
  • Priority support
  • Custom onboarding
Get started

Need something custom or a longer billing cycle? Talk to us.

Trusted locally

Loved by institutions across Ghana.

★★★★★
“Our susu collectors stopped losing slips. Clients now get an SMS the moment they pay — the trust it built is worth everything.”
Akosua Adom
Adom Susu & Microfinance · Kumasi
★★★★★
“We moved three branches onto SBM SmartLedger and our month-end reconciliation went from days to minutes.”
Derrick Amoah
SBM Capital Holdings · Accra
★★★★★
“The loan schedules and mobile money payouts just work. Our members can finally see their own statements.”
Mawuli Agbeko
Volta Trust Savings & Loans · Takoradi
FAQ

Questions, answered.

Susu collection software digitizes the traditional daily-savings system: agents record each client’s contribution on a phone, every entry posts to a secure ledger, and the client gets an instant SMS receipt — replacing the paper notebook while keeping the same trusted routine.
Yes. Customers can top up their accounts via MTN MoMo, Telecel Cash and AirtelTigo Money, and withdrawal requests can be routed to any of the three networks.
Absolutely. Beyond susu and savings, SBM SmartLedger runs a full loan lifecycle — origination, amortization schedules, repayments and penalties — plus fixed-deposit investments, suitable for Bank of Ghana–licensed savings & loans companies.
The platform is built mobile-first and lightweight, and field agents confirm collections by SMS. For areas with weak connectivity we keep data entry simple and resilient so agents aren’t blocked.
Plans start at GHS 250/month for a single office and scale up as you add branches, staff and modules. You only pay for what you use, and you can start with a free trial.
Every login is protected by a one-time code, actions are restricted by staff role, all money movements use a balanced double-entry ledger, and every change is written to an audit trail.

Ready to bring your books into the digital age?

Start free today — no credit card, no commitment. Add the modules you need as you grow.