Sales come in, stock goes out, and rent and family needs are paid from the same line. Fnsoko sessions give founders, side hustlers and enterprise groups the basics nobody taught them: cash flow, pricing, records and tax.
Busy is not the same as profitable.
Most owners work very hard. What is usually missing is a handful of money basics, and the habit of looking at the numbers once a week.
The till is busy, the account is empty.
Sales are coming in, yet stock, rent and family needs leave nothing at month-end, and nobody can say why.
You pay yourself whatever is left.
Some months that is a lot, most months it is nothing, and the business and the household share one M-Pesa line.
Tax arrives as a surprise.
KRA deadlines come round and the money for them was spent weeks ago on the next order.
The money basics every business needs.
Plain language, examples from real Kenyan businesses, and a few simple habits you can start this week.
Cash flow you can see
Why a business that is making sales can still run out of money, and a simple weekly routine for tracking what comes in, what goes out and when.
Business money and personal money
Separate accounts and tills, paying yourself a regular amount, and why mixing the two hides whether the business is really working.
Pricing for profit
Working out what each product or service really costs you, including your time, so your prices cover costs and leave something behind.
Simple records
The few records every small business needs, kept in a notebook, a spreadsheet or an app, and how to read them once a month.
Saving for tax
Setting money aside as you earn so KRA deadlines are not a shock, and knowing which questions to take to an accountant.
Saving and investing as a founder
An emergency fund for the business and for you, and where surplus money can sit while it waits for the next opportunity.
For the shop, the salon and the side hustle.
Book a session for your incubator or enterprise group, a short series for a business association, or ask about help for your own business.
- Education only: we do not keep books or file returns
- You learn to read your own numbers and work well with an accountant
Start today with the free tools.
They work for business numbers too. Free, on your phone, and your numbers stay on your device.
This is financial education, not financial advice. Rates and examples in sessions are illustrative, and we never recommend specific providers.
Where Wanja has taught lately.
Real rooms, real questions. A few of the places Wanja has taught lately.
Entrepreneurs at Hackhouse Africa
A hands-on money training for founders: testing pay against every month and building a cushion.
AI Education, Hackhouse Africa and University of Nairobi
Financial literacy for a cohort of young builders in a joint programme by the three partners.
Group and workplace trainings
Plain-language sessions on budgeting, saving and investing, built around real Kenyan numbers.
And the conversations after
The best questions come after the slides. Every session leaves time for them.
Questions founders ask us.
Is this for small businesses or only startups?
Both. Most of the people we work with run small businesses, side hustles or freelance work. If money comes in and goes out, the basics apply.
Do you do bookkeeping or file taxes for businesses?
No. We teach you how to keep simple records and set money aside for tax, so you understand your numbers and can work well with an accountant. We do not file returns or keep books for clients.
Can you train our entrepreneur group or incubator?
Yes. Incubators, accelerators, women and youth enterprise groups and business associations can book a session or a short series.
Is there something I can use on my own today?
Yes. The free budget planner and loan repayment calculator work for business numbers too, and the Fnsoko planners help you track income and spending month by month.
Other ways to train with Fnsoko.
Let’s get your business numbers in order.
Talk to us
Incubators, enterprise groups and business associations can book a session or a short series. Solo founders are welcome to ask too.
Prefer email? hello@fnsoko.com