About SettleNG
A record book for people who are too busy selling to do bookkeeping.
Most small businesses run on memory, a notebook, and whatever is in the till at closing time. That works until you need to answer one simple question: after the stock, the transport and the credit you gave out, what did this month actually make? SettleNG exists to make that answer easy to see.
Money comes in, money goes out — the gap is where people get lost.
A sale is easy to remember on the day. Ten sales a day for a month is not. Add stock bought on credit, a customer who promised to pay next week, transport, rent and wages, and by the end of the month the honest answer is “I'm not sure”.
Accounting software is built for people with an accountant. SettleNG is built for the person behind the counter: write down what you sold and what you spent, and it keeps the totals, the customer debts and the reports for you.
It is deliberately small in scope. No bank connection, no BVN, no lending, no hidden fees — just your own records, kept properly.
What we hold to
Four things we will not compromise on.
Free means free
Sales, expenses, debts, invoices, reports and matching cost nothing. No trial, no card details, no premium tier.
A record book, not a bank
SettleNG never connects to your bank account, never moves money, and never takes a cut of anything you sell.
Plain language
The whole point is that a busy trader can record a sale in seconds and understand the totals without training.
Your books stay yours
Records are tied to your own account and can be exported as CSV whenever you want them.
A small team, and a real inbox.
SettleNG is built and run by one person. If something is wrong, confusing, or simply missing, write in — it gets read, and it shapes what gets built next.