F-Biz by Fayvad F-Biz by Fayvad

Guides / Customer credit

Track customer deni without a notebook

In many Kenyan shops, regular customers buy on credit and settle later. The problem is not offering deni—it is forgetting who owes what. F-Biz ties credit to real sales and stock.

F-Biz customer list showing credit balance
See who owes you, their phone number, and how many sales they have made.

Why paper fails

  • Names get spelled differently on different days
  • Balances drift from what was actually sold
  • Stock leaves the shelf but money never shows in your totals
  • Collecting becomes awkward because neither side trusts the number

A counter habit that works

  1. Add the customer once (name and phone)
  2. At checkout, select the customer and choose credit if they are not paying now
  3. Stock updates with the sale—same as cash or M-Pesa
  4. When they pay, record the payment against their balance
F-Biz checkout with customer and payment options
Link each sale to a customer so credit is never anonymous.

Filter who owes you

Use the Owes money filter on the customer list to see open balances before you call or WhatsApp reminders. Pair this with your end-of-day reconciliation so credit does not surprise you at closing time.

Who this is for

Any shop that extends deni—especially agrovet stores with seasonal farmer credit and chemists with regular customers on account.

Start small

Move your top 10 credit customers into F-Biz first. Once those balances match reality, expand the list. Accuracy on your biggest debtors beats a perfect register you never use.