For Ghanaian SMEs, schools, clinics & NGOs

Your business finances, made simple.

Bookkeeping, payroll, statutory filings and access to financing — all in one trusted partner. We turn your numbers into clarity, so you can grow with confidence.

Why Sankofa

Learn from the past, build the future of your business.

  • Bookkeeping always up to date — never lost in receipts again
  • SSNIT, PAYE and Tier 2 filings done on time, every month
  • Loans from GHS 10K to 50K+ for clients who reach Silver or Gold
  • Bilingual team — English & French — based in Accra
100%
Ghana-law compliant
14 & 15
SSNIT & PAYE deadlines met
2
Languages: EN & FR
50K+
GHS in Gold-tier financing
Who we serve

Built for the businesses that build Ghana

From a five-table restaurant to a 200-pupil school, we adapt our approach to your reality — not the other way round.

Private schools

Fees, salaries, suppliers

Restaurants & chop bars

Daily cash, food cost

Retail & shops

Stock & margin tracking

+

Clinics & pharmacies

Patient billing, statutory

NGOs & missions

Donor reporting clarity

Service businesses

Consultants, agencies

What we do

Everything your business needs — under one roof

Six core services, fully managed by our team, delivered in clear monthly reports you can actually read.

01

Bookkeeping & Accounting

Every cedi in and out, properly recorded. We close your books on time, every month.

  • Daily transaction recording
  • Monthly P&L & balance sheet
  • Cash-flow tracking
  • Receipts & invoice archive
02

Payroll Management

Pay your staff right, on time, with all statutory deductions and clean pay slips.

  • SSNIT 5.5% + 13% calculation
  • PAYE bands & Tier 2 pension
  • Co-branded pay slips for staff
  • Year-end T-Tax certificates
03

Tax & Statutory Filings

SSNIT by the 14th, PAYE by the 15th, VAT and CIT on time — never a late fee again.

  • Monthly SSNIT & PAYE
  • VAT & NHIL returns
  • Annual CIT to GRA
  • Registrar General compliance
04

Business Advisory

Numbers without advice are just paper. We explain what your data says — and what to do next.

  • Monthly performance review
  • Pricing & margin analysis
  • Quarterly strategy session
  • Growth roadmap
05

Access to Financing

Once your Sankofa Score reaches Silver or Gold, we unlock financing at fair, transparent rates.

  • Silver: up to GHS 10K @ 7% p.a.
  • Gold: GHS 50K+ @ 5% p.a.
  • No hidden fees, no traps
  • Disbursement in 5 working days
06

Training & Coaching

We don't just do it for you — we teach your team to keep it running between our visits.

  • On-site finance training
  • Spreadsheet templates included
  • Owner financial literacy
  • EN & FR available
Your financial fitness

The Sankofa Score

Every month, we measure your business across six dimensions — bookkeeping discipline, statutory compliance, cash discipline, profitability, growth and governance — and give you a clear score out of 100.

Bronze
50–69
Building
  • Books cleaned and current
  • Statutory filings up to date
  • Monthly clarity reports
  • Path mapped to Silver tier
Silver
70–79
Eligible for financing
  • All Bronze benefits
  • Quarterly strategy session
  • Loan up to GHS 10,000 @ 7%/yr
  • Priority response (24h)
GHS 10K @ 7%
Gold
80–100
Elite partner
  • All Silver benefits
  • Dedicated advisor + CFO half-day/month
  • Financing GHS 50K+ @ 5%/yr
  • Investor-grade reporting
GHS 50K+ @ 5%
Choose your pack

Three packs, one promise: transparency

No hidden fees. No surprise invoices. Pick the pack that matches your size today — change anytime as you grow.

Light
For small businesses just getting structured
350 GHS
per month, all included
  • Monthly bookkeeping (≤ 100 transactions)
  • SSNIT & PAYE filings
  • Monthly clarity report
  • Email support
  • Bronze-tier Sankofa Score
Start with Light
Summit
For organizations operating at scale
1,850 GHS
per month, all included
  • Unlimited bookkeeping
  • Payroll for unlimited staff
  • All filings + CIT annual return
  • Investor-grade reporting
  • Dedicated advisor (CFO half-day/month)
  • Gold-tier financing (50K+ GHS @ 5%)
  • Priority 24h response
Talk Summit
How we work together

From first contact to monthly clarity, in four steps

1

Diagnostic

A free 30-minute call to understand your business, your pain points, and what success looks like for you.

2

Onboarding

We set up your books, gather your historical records, and bring everything up to date — usually within 14 days.

3

Monthly cycle

Every month: bookkeeping closed, statutory filings paid, payroll processed, and a clear report delivered to you.

4

Growth

As your Sankofa Score rises, financing unlocks. We become your CFO on retainer — without the cost of one.

Questions

What you want to know before we start

Do I need to be in Accra to work with Sankofa?
No. We serve clients across Ghana remotely, with monthly on-site visits available in the Greater Accra Region. WhatsApp, email and our secure document portal cover everything else.
Is the financing offer really 5% per year?
Yes — for Gold-tier clients. The rate reflects the trust we have built through 12+ months of clean books, on-time filings, and a Sankofa Score above 80. Silver-tier clients receive 7% per year on smaller amounts.
What if my books are a complete mess right now?
That's where most of our clients start. The onboarding pack includes catching up on up to 12 months of past records as part of the first three months — no extra fee. We work with what you have: receipts in a box, MoMo statements, WhatsApp confirmations. We organize it all.
Do you handle businesses operating in both English and French?
Yes. We are a fully bilingual team. Reports, contracts and meetings can be in English or French — including for Pan-African operations expanding into DRC, Côte d'Ivoire or Togo.
Can I switch packs as my business changes?
Absolutely. You can move up to Momentum or Summit at any time, and we'll prorate the difference. You can also pause or scale down with 30 days notice — no long-term lock-in.
Who actually owns my financial data?
You do. Always. We hold a working copy to do our job, but full source files (Excel, PDF, scans) are yours and shared with you in your own Google Drive folder. If we ever part ways, you walk away with everything.
Let's talk

Tell us about your business — we'll reply within 24h

Reach us directly

A real person reads every message. Whether it's a question, a quote request, or a free diagnostic — we'll come back to you with a real, useful reply.

Phone & WhatsApp
Office
Ablekuma Curve, Accra · Ghana
Hours
Mon–Fri · 8h–18h · GMT
Thank you — your message has been received. We will reply within 24 hours.
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