Your Business.
Professionally Managed.
A dedicated human accountant + a real-time financial dashboard — built specifically for Nigerian SMEs.
Loan Readiness Score
840/1000
Running a Business Is Hard Enough
Stop letting financial administration hold your growth hostage.
Messy Bookkeeping
Stop losing sleep over missing receipts and unrecorded expenses. We categorize every kobo automatically.
Lack of Expert Guidance
Professional accounting firms are too costly for most SMEs. Get the dedicated human advice you need without the eye-watering fees.
Cash Flow Blindspots
Know exactly where your money is going with real-time tracking instead of waiting for month-end reports.
Everything you need to stay compliant & scale
Our suite of services combines cutting-edge tech with human expertise.
Bookkeeping
Automated entry of all transactions.
Expense Tracking
Scan receipts and track spending.
Payroll
Automated salary and tax deductions.
Invoices
Create and send professional invoices.
Expert Advisory
Unlimited sessions with your dedicated accountant.
Reporting
P&L, Balance Sheet, and more.
The Engine Room
Powered by Uruvia™
Your SME Copilot subscription includes full access to Uruvia, our proprietary web platform. It’s your financial command center.
Real-time Command Center
Monitor your cash flow, burn rate, and profit margins as they happen.
Loan Readiness Score
Our proprietary algorithm analyzes your data to tell you how "bankable" you are today.
How we compare
Why Harbor & Co. is the right choice for Nigerian entrepreneurs.
| Feature | SME Copilot | Generic Software | Traditional Firms |
|---|---|---|---|
| Human Expert Access | check_circle | Support tickets only | check_circle |
| Real-time Dashboard | check_circle | check_circle | Monthly PDF reports |
| FIRS/LIRS Expertise | check_circle | General templates | check_circle |
| Loan Readiness Score | check_circle | Not included | Manual review |
| Pricing | Transparent Flat Fee | Cheap, but requires work | High billable hours |
Ready to get your time back?
Join hundreds of Nigerian SMEs using Harbor & Co. to manage their growth and compliance.