Expense Management
Employees submit expense requests, admins review and approve in real time — every transaction logged with a full audit trail.
Expense RequestsReal-time ApprovalsReceipt CaptureAudit TrailRole-based Access
Expense management built for
SMEs and startups.
Daraja replaces spreadsheets, manual approvals, and paper receipts with one digital workflow, so every shilling spent is tracked, approved, and compliance-ready.
Get Started1
Expense Request
Asha M. · Just now
Office rent · Q3
TZS 450,000
OperationsPending
2
Approved
by Founder · in 2 min
Real-time SLA
3
Paid Out
SuccessTo
Lipa Namba Halisi Prop.
Amount
TZS 450,000
via Bank Transfer
This Month
TZS 4.2M
12%
Rent
Software
Travel
Office
✓
Receipt Reconciled
Auto-matched
TRA-ready format
Supported Rails
M-PesaTigoAirtelBank
Trusted by SMEs and startups across Tanzania
The Expense Management Platform Built for Growing Businesses
Payouts & Reconciliation
Disburse approved funds directly to mobile money, bank accounts, or merchant accounts (Lipa Namba). Receipts are automatically reconciled as proof of fund flow.
Processing Transfer
ID: TXN-99281A
From
Swahilies Inc
Operations Wallet
AmountTZS 450,000
To Merchant
Tanzanite Properties
Lipa Namba 1234567
Date
Apr 06, 2026
Time
14:30 EAT
Fee
TZS 0.00
Network
Selcom Pay
Receipt #R-2845
Auto-matchedTRA-ready
Mobile Money PayoutsBank TransfersLipa Namba (Merchant)Auto Reconciliation
Platform
A single platform that brings expense requests, approvals, payouts, and compliance documentation together — with full visibility for finance teams and founders.
Spend ReportsRole-Based PermissionsFull Visibility
Daraja by the Numbers
0%
Customer churn since launch — every business that joined is still with us
15+
Months our longest-running customer has trusted Daraja with their expenses
100%
Of payouts traceable, documented, and compliance-ready by default
Our purpose
To give small businesses the same financial
control that larger companies enjoy
Solving Real Expense Challenges for SMEs and Startups
Stop Expense Leakage
Capture every business payment with the who, why, and where. Receipt-free transactions and inflated costs become a thing of the past once spending lives in one transparent system.
Pay Out to Lipa Namba, Mobile Money & Banks
Disburse approved funds directly to verified merchant accounts (Lipa Namba), mobile money wallets, or business bank accounts — all from one workflow.
Approvals That Match How You Work
Employees submit expense requests, admins review and approve in real time, and every step is logged. No more chasing receipts on WhatsApp or paper.
TRA-ready Documentation by Default
Every payment generates a digital record that supports TRA-compliant documentation — so you reduce penalties, build credit history, and stay audit-ready.
Why Daraja?
Simple Enough for Any Team
We give small teams the kind of financial tools bigger companies have — but in a way that's simpler, more relevant, and easier to use day to day.
Built for Businesses, Not Individuals
Most mobile money platforms are built for individuals first, which leaves SMEs mixing personal and business spending. Daraja separates the two from day one, with proper accountability and documentation.
Backed by Trusted Banking Rails
Daraja runs on top of regulated banking infrastructure through our PSP partners, so customer funds stay safe and every transaction is properly recorded.
TRA-compliant by Default
Every payout is routed only to verified mobile money merchant accounts (Lipa Namba) or business bank accounts — generating digital records that support TRA-compliant documentation.
One Workflow, No More Spreadsheets
Before
After
Get Started With Daraja in Days
Move off spreadsheets and consumer mobile money. Our team helps you set up Daraja for your business quickly and properly.
Tailored Setup
We configure approval flows, roles, and spending limits around how your business actually operates.
Smooth Migration from Spreadsheets
Bring your existing expense records and vendors into Daraja with hands-on support from our team.
Hands-on Onboarding
Train your team on submitting requests, approving expenses, and keeping records compliant — with a dedicated point of contact.
Real Stories from Real Businesses
"Daraja replaced the spreadsheets and WhatsApp approvals we used to track expenses. Today every payment is logged with a clear reason, and our finance team finally has a real audit trail."
Operations Lead
Startup Customer
Swahilies
"Most of our company spending now flows through Daraja. Being able to pay directly to Lipa Namba and have everything reconciled saves us hours every week."
Finance Manager
Startup Customer
Medikea
"We needed proper records for compliance without slowing the team down. Daraja made it simple — requests, approvals, and receipts all in one place."
Founder
Startup Customer
Neurotech
Resources
Mar 04, 2026
Why SMEs Lose Money Silently — and How Better Expense Controls Stop It
Informal, receipt-free transactions make it easy for small businesses to lose track of spending. Here is how proper expense workflows fix it.
Read More →
Feb 12, 2026
Lipa Namba Payouts: A Better Way to Pay Business Suppliers
Daraja is the only platform letting businesses pay directly to mobile money merchant accounts (Lipa Namba) — with proper documentation by default.
Read More →
Jan 18, 2026
Building TRA-ready Records From Day One
Compliance does not have to slow you down. Learn how Daraja generates digital records that support TRA-compliant documentation automatically.
Read More →Daraja: Frequently Asked Questions
Daraja is built for SMEs and startups with roughly 2 to 50 employees that make frequent business payments through mobile money or bank transfer. If your team has outgrown founder-only spending and needs proper expense control, Daraja is for you.
Banks are built for large merchants and bigger transfers. Mobile money apps are built for individuals first, which leaves SMEs mixing personal and business spending. Daraja is built specifically for businesses — and is currently the only platform that lets you pay out directly to mobile money merchant accounts (Lipa Namba).
Yes. Through our partnership with Selcom, businesses can disburse approved funds directly to verified merchant accounts (Lipa Namba), in addition to mobile money wallets and business bank accounts.
Every payout generates a digital record showing who spent the money, why, and where it went. These records support TRA-compliant documentation by default — reducing penalties and building the financial history you need to access credit.
Daraja charges a transaction fee of 1% to 3% on each transaction processed, depending on the size. There are no large upfront subscriptions — you only pay as your business uses the platform.
Take control of
your business spending
See how Daraja gives your team the visibility, accountability, and compliance of a much larger finance function.
Start your journey with us today.
Daraja brings expense requests, approvals, payouts, and compliance documentation together in one workflow built for SMEs and startups.