About
Xpens is an SME Finance Suite built for Nigerian businesses — Track expenses, send invoices via WhatsApp, run payroll and manage taxes. The complete financial platform for Nigerian SMEs.
We built Xpens so founders, finance leads, and operations teams can run day-to-day money work in one place: what you spend, what you earn, what you owe, and what you need to pay — without spreadsheet chaos or a heavyweight ERP rollout.
What Xpens is used for
Every workspace is organisation-scoped with role-based access. Here is what teams use the platform for today:
Spend & control
- Expenses — log and categorise business spend, attach receipts, and keep a clear audit trail of submissions.
- Budgets — set caps by category or workspace and stay ahead of overruns with threshold alerts.
- Approvals — route spend through owners and admins with visible approval states.
- Receipt scanning — capture receipts from the dashboard and attach them to expenses (Pro).
Invoicing & revenue
- Invoices — create professional invoices, track status, and follow up on outstanding payments.
- WhatsApp delivery — send invoices to clients directly from the app for faster collection.
- Clients — manage customer records alongside your billing workflow.
- Revenue — track income and see how money coming in compares to spend.
SME finance (Nigeria)
- Payroll — run staff payroll, generate pay runs, and disburse salaries via Paystack transfers.
- Tax — manage PAYE and tax records, sync payroll to tax obligations, and keep compliance summaries in one place.
- Bank accounts — organise the accounts your business uses for operations and reconciliation.
- FX tracker — monitor exchange rates when you trade or report in multiple currencies.
Insight & reporting
- Dashboard & analytics — see totals, trends, and category breakdowns at a glance.
- Reports — export finance-ready summaries and CSV on Pro for month-end close.
- AI insights (Pro) — GPT-powered commentary on spending patterns, anomalies, and savings signals from your aggregates.
Team & workspace
- Multi-tenant workspaces — each organisation's data is isolated; switch between workspaces when you belong to more than one.
- Team & roles — invite members as owner, admin, member, or viewer with permissions that match how you operate.
- Audit log (Pro) — review sensitive actions across the workspace.
- Billing — start on Free, upgrade to Pro via Paystack when you need unlimited scale, AI, receipts, exports, and API access.
Who we built it for
Xpens is designed for Nigerian SMEs and growing teams — retail and service businesses, agencies, startups, and finance-led operators who need one calm workspace for expenses, invoicing, payroll, and tax without months of implementation.
How we build
We prioritise organisation-scoped data, server-side plan enforcement, and workflows finance can trust. Features ship when they hold up under real workloads — not when they look good in a demo.
Get in touch
Questions about partnerships, press, or how Xpens fits your business? Email admin@xpens.com.ng or use the contact link in the footer.