ClarivFinance is a cloud-based accounting and financial management system designed for small and medium businesses in Nigeria. From invoicing to approvals, ledgers to financial statements — everything in one secure platform.
Beyond the software, Clariva can run your entire finance function for you — bookkeeping, payroll, management accounts and statutory filing — using ClarivFinance as the platform, managed by our chartered accountants.
Most Nigerian small businesses rely on Excel, WhatsApp voice notes and handwritten ledgers to manage their finances. The result?
ClarivFinance was built to solve exactly this. One secure, cloud-based platform that gives you real-time financial visibility, structured approvals, and instant reports — built specifically for Nigerian business realities.
Built by chartered accountants, for Nigerian businesses.
Raise credit and cash sale invoices, track outstanding debtors in real time, and know exactly who owes you and how much. VAT (7.5%) calculated automatically.
Every payment and expense goes through a structured process — Preparer raises it, Accountant reviews it, MD approves it. Nothing gets paid without the right sign-off.
Manage all your suppliers with their bank details in one place. Raise payment vouchers linked to suppliers. Know exactly what you owe and to whom at any point.
See exactly how much each customer owes you and how much you owe each supplier. Part payments and full payments tracked automatically.
Generate your Income Statement, Statement of Financial Position and Trial Balance at the click of a button — for any month or the full year. No waiting for your accountant.
Gross margin, net profit margin, expense ratio, top customers by revenue, expense breakdown by category — all visible on one screen for management decisions.
Four distinct roles — Admin, Accountant, MD and Preparer — each with precisely defined access. Your MD sees what matters. Your Preparer cannot touch the accounts.
126-account chart of accounts aligned with Nigerian standards. VAT, WHT, PAYE and Pension accounts pre-configured. Naira (₦) throughout. FIRS-ready.
Accessible from any device, any browser, anywhere. Data stored on enterprise-grade cloud infrastructure. Role-based access — no unauthorised users.
Full payroll module compliant with Nigerian Tax Authority 2025 regulations. Automatic PAYE, Pension (8%/10%), NHF and NSITF calculations. Print payslips instantly.
Track every business asset from purchase to disposal. Straight-line or reducing balance depreciation posted automatically every month. Fixed Asset Schedule always ready for audit.
Full inventory module with FIFO or AVCO costing. Cost of goods sold calculated automatically on every sale. Stock report, stock ledger and low-stock alerts built in.
Submit your details and our team sets up your Clariva account. We configure your chart of accounts, create your user roles and invite your team members.
Add your customers and suppliers to the directory. Your standard 126-account chart of accounts is pre-loaded — just customise if needed.
Raise invoices, process payments, manage approvals and view your financial statements — all from one clean, secure platform.
One implementation & training fee to get you live, and an annual licence thereafter. Priced in Naira. No monthly subscriptions, no per-transaction charges.
All plans include cloud hosting, automatic updates, data security, and the 126-account Nigerian chart of accounts. Additional support beyond included hours: ₦25,000/hr (virtual), ₦50,000/hr (physical, within Lagos), or ₦50,000/hr plus logistics provided by the customer (physical, outside Lagos). All fees are in Naira (₦) and exclude VAT at 7.5%.
Book a demo at request.clariva.com.ng.
Before ClarivFinance, our accountant used to spend three days every month reconciling transactions. Now the books are always up to date and I can see my P&L any time I want.
The approval workflow alone has saved us from several unauthorised payments. Nothing goes out without my sign-off and I get notified immediately. That peace of mind is priceless.
ClarivFinance has completely transformed how we manage our finances. Our financial statements are always ready on demand and we no longer wait until month-end to know where we stand.
Join Nigerian businesses already using ClarivFinance to manage their accounts with confidence, clarity and control.