Powerful Features for SA Businesses

Everything you need to manage your business finances, designed with South African regulations in mind

Smart Quote & Invoice Creator

Create professional quotes that convert to invoices instantly. Send via email, WhatsApp, or download as PDF. Automatic VAT calculation at 15%.

Annual Financial Statements

Generate CIPC-compliant AFS with iXBRL formatting. Automatic PIS calculation and reminders for financial year-end reporting.

Customer & Product Management

Organize customers with full SA details (VAT, company registration). Create product/service catalogs with SKU codes for quick invoicing.

ZAR Payment Processing

Accept payments via Cash, EFT, Payfast, Yoco, or COD. Track payment status and send automatic reminders for overdue invoices.

Automated Reminders

Never miss a payment deadline. Automatic reminders for quotes, invoices, and AFS reporting deadlines.

SA Compliance Built-in

Designed specifically for South African businesses with VAT, PBO numbers, company types, and CIPC requirements in mind.

Problems We Solve for SA Businesses

We understand the unique challenges faced by South African small business owners

Time-Consuming Admin Work

Spending hours on quotes, invoices, and chasing payments instead of growing your business.

Compliance Headaches

Struggling with CIPC submissions, VAT calculations, and AFS requirements specific to South Africa.

Disorganized Records

Spreadsheets everywhere, lost invoices, and difficulty tracking customer payments and history.

Cash Flow Challenges

Late payments, unclear financial position, and difficulty forecasting business performance.

Expensive Software

International tools that don't understand SA requirements and cost too much for small businesses.

Lack of Mobility

Can't manage your business on the go or send documents directly to clients via WhatsApp.

Perfect for These South African Businesses

Kubo Business Management Tool is designed for the unique needs of various SA business types

For Electricians, Plumbers, Builders & Contractors

Create on-site quotes that can be sent via WhatsApp directly to clients. Convert accepted quotes to invoices with one click. Track materials with product codes and manage multiple customer projects simultaneously.

Quote for jobs while on-site using mobile
Track materials and labor costs separately
Manage deposits and progress payments
Keep compliant with VAT on materials

For Consultants, Freelancers & Agencies

Track billable hours, create recurring invoices for retainers, and manage multiple clients with different billing structures. Professional templates that reflect your brand to every client.

Hourly or project-based billing
Recurring invoices for monthly retainers
Professional branded documents
Track expenses against projects

For Retail Stores & E-commerce Businesses

Manage inventory, create purchase orders for suppliers, and generate VAT-compliant invoices. Track sales, manage customer databases, and prepare for VAT201 submissions.

Product catalog with SKU management
Purchase order creation for stock
VAT-inclusive/exclusive pricing
Customer purchase history tracking

For Lawyers, Accountants & Professional Services

Detailed billing, trust accounting features, and compliance with professional body requirements. Generate detailed reports for clients and manage complex billing structures.

Detailed matter/time tracking
Professional compliance features
Client portal for document sharing
Trust account management (coming soon)

Frequently Asked Questions

Everything you need to know about Kubo Business Management Tool

Is Kubo Business really free?

Yes! Our service is completely free forever for small businesses. We offer essential features like unlimited quotes and invoices, customer management, basic AFS generation, and WhatsApp sending at no cost. We believe in supporting South African SMEs.

How does it handle South African VAT?

Kubo Business automatically calculates VAT at the standard South African rate of 15%. You can choose to display prices inclusive or exclusive of VAT, and all invoices clearly show VAT breakdowns. This makes VAT201 submissions much easier.

Can I generate CIPC-compliant Annual Financial Statements?

Yes! Our system helps you generate Annual Financial Statements compliant with CIPC requirements. It calculates your Public Interest Score (PIS), prepares statements per IFRS for SMEs, and can export in iXBRL format for direct CIPC submission.

How do I send quotes via WhatsApp?

When creating a quote, simply click the WhatsApp button. Our system generates a WhatsApp message with a link to the quote. Your client can view, accept, or decline the quote directly in WhatsApp. This is perfect for on-site quoting with tradespeople.

Where is my data stored?

Your data is stored on a secure database. We do not share or sell your information with any third parties.

What payment methods are supported?

We support all common South African payment methods: Cash, Bank Transfer/EFT, Payfast, Yoco, and COD (Cash on Delivery). Payment links can be added to invoices for easy client payment.

Can I use it on my mobile phone?

Absolutely! Kubo Business is fully responsive and works perfectly on smartphones, tablets, and desktops. You can create quotes, send invoices, and manage your business from anywhere with an internet connection.

Trusted by South African Businesses

See what business owners across SA are saying about Kubo Business

"As an electrician in Johannesburg, I used to waste hours creating quotes manually. Now I can create and send professional quotes via WhatsApp while still at the client's property. It's cut my admin time by 70%!"

Thabo Dlamini

Dlamini Electrical, Johannesburg

"The CIPC compliance features saved me hundreds of Rands in accountant fees. Generating my AFS with the PIS calculation already done was a game-changer for my small consulting business."

Nomsa Peters

Peters Consulting, Cape Town

"Finally, a business tool that understands South African needs! The VAT handling is perfect, and being able to accept Payfast payments directly from invoices has improved my cash flow dramatically."

Sipho Mbeki

Mbeki Retail, Durban

Streamline Your South African Business Operations