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.