OPO

OPO turns your daily business activity into a credit score that unlocks real loans. Record sales, manage inventory, pay your team, and track expenses — and every entry builds the financial history lenders need to approve you. Built by gnuGRID Africa, a licensed credit reference bureau, OPO is the easiest way for SMEs across Uganda to prove their business is bankable. WHY OPO • The more you use OPO, the stronger your business score • A higher score means faster loan approvals and better rates • gnuGRID Africa partners with lenders to fund qualified borrowers • Built for African SMEs — works on entry-level Android phones, no spreadsheets, no paperwork, no desktop required SALES & POS • Quick checkout with item search, cart, and instant receipts • Assign sales to one or more salespeople and auto-calculate commission • Multi-branch support — switch branches with one tap • Out-of-stock alerts and one-tap restock from the cart INVENTORY • Track stock levels per branch in real time • Allocate stock from a central store to branches • Low-stock and out-of-stock indicators • Photos, categories, and supplier links for every item EXPENSES • Log expenses by category (rent, utilities, transport, supplies) • Attach receipts and notes • See spending trends across branches and time periods CUSTOMERS & SUPPLIERS • Build a customer book with full purchase history • Manage supplier contacts and outstanding balances • Inline validation — no lost forms to typos TEAM & COMMISSIONS • Add employees with role-based access (owner, manager, cashier) • Set commission rates per salesperson • Track and pay commissions with full audit trail WALLET • Top up your in-app wallet from Mobile Money • Withdraw earnings back to Mobile Money • Every transaction logged with status, fees, and timestamps CREDIT & LOANS • Your business score is calculated from your real activity in OPO — sales volume, consistency, expense discipline, and growth • Apply for working-capital loans directly in the app once you qualify • Step-by-step credit application with auto-saved progress • Track loan status and repayments SECURITY & PRIVACY We collect only what's needed to run your business and build your score. Sensitive actions are PIN-protected, and credentials are encrypted on your device. You can request deletion of your account and personal data at any time — see https://gnugridcrb.com/privacy-policy/ for full details. Need help? Tap "Contact Us" in the More menu to reach our support team on WhatsApp, phone, or email. OPO is published by gnuGRID Africa, a regulated credit reference bureau and financial services provider in Uganda.