AI bookkeeping that unlocks working capital — all on WhatsApp.
Record every sale by text or photo. Qonta keeps your books — then turns them into the capital to grow.
First month free · No app to download · Works in WhatsApp
Most shops are invisible to lenders. Qonta makes them bankable.
Every sale you record builds the financial track record that unlocks real working capital — funded through our licensed partners.
Record any sale, effortlessly
By text, photo, or voice — Qonta logs and categorizes everything the moment it happens.
Your books become a track record
Months of real cash flow turn into financial proof that no bank could ever see before.
You qualify for
1,780,000 RWF
working capital · repay as you sell
Access the capital to grow
Funded through licensed bank & MFI partners — Qonta is the underwriting engine.
Everything your books need — inside one chat
No app to download, nothing to learn. Just message Qonta the way you message a friend.
Record any sale or expense the second it happens
Type it, snap a photo of the receipt, or send a voice note. Qonta logs and categorizes everything the moment it happens — no forms, no spreadsheets.
Know exactly if you're making money, anytime
Ask in plain language and get a clean answer back — profit, sales, expenses — for any day, week, or month. No accounting knowledge needed.
Clean books unlock the capital to grow
A few months of recorded sales become the financial proof that qualifies you for working capital — no paperwork, no bank visit.
Qualify from your books — Your recorded cash flow is the application — no paperwork, no collateral.
A limit that grows with you — Every clean month raises how much working capital you can access.
Repay as you sell — A small share of each sale — flexible, never a fixed monthly burden.
Funded by licensed partners — Loans come from regulated banks & MFIs. Qonta is the underwriting engine.
Your working capital
Eligible now
Available limit
1,780,000 RWF
Limit grows every clean month · repay as you sell
Funded through licensed bank & MFI partners. Qonta is the underwriting engine.
Never lose track of who owes you money
Qonta keeps a running tab for every customer and sends a friendly reminder for you with one tap. Get paid back without the awkward chase.
A 10-second recap of your day, every evening
Each night Qonta sends a quick summary of your day — what came in, what went out, and who paid you back — so you always stay in control.
“Forwarding my MoMo messages keeps everything recorded. After 4 months, Qonta helped me get the capital to restock.”
Jean-Bosco H., Hardware shop · Musanze
“I used to guess if I was making money. Now Qonta tells me every week — I just send a voice note after each sale.”
Aline Mukamana, Boutique · Nyamirambo
“No app, no notebook. It's just WhatsApp. I always know who owes me, and my books are finally clean.”
Claudine I., Mini-market · Rubavu
“The evening recap takes me ten seconds. I close my shop already knowing exactly how the day went.”
Emmanuel R., Pharmacy · Huye
“My books were always a mess at tax time. Now everything is organized as I sell — I don't even think about it.”
Grace U., Salon · Kicukiro
Simple, honest pricing
One flat price for everything Qonta does. Your first month is free.
First month free, then 9,500 RWF/month. Cancel anytime.
Start free on WhatsApp- Unlimited transactions by text, photo or voice
- Profit, debtors & weekly summaries
- A 10-second daily recap, every evening
- Working-capital eligibility as your books grow
- Help on WhatsApp whenever you need it
Questions, answered
Just message Qonta on WhatsApp — type it, forward your mobile-money message, snap a photo of the receipt, or send a voice note. Qonta reads it, records it, and categorizes it for you instantly.
No. Qonta works entirely inside WhatsApp — the app you already use every day. There's nothing new to install and nothing to learn.
Not at all. Qonta keeps the books for you and answers in plain language. Just ask things like “Am I making money?” or “Who owes me?” and you'll get a clear answer back.
9,500 RWF per month, and your first month is free. Pay yearly and you only pay for 10 months — two months free. No setup fees, cancel anytime.
After a few months of clean books, Qonta uses your real cash flow to qualify you for working capital. Loans are funded by licensed bank and MFI partners — Qonta is the underwriting engine, not the lender — and you repay a small share as you sell.
Yes. Your records are encrypted and securely stored, and only you can access your books. Your data is yours, always.
Keep your books. Unlock your capital.
Set up takes two minutes, right inside WhatsApp. Your first month is free.
Start free on WhatsAppNo app to download · No card needed · Cancel anytime