What it sells
We're Khatabook / OkCredit for Pakistan
Business model breakdown
Buyer: who owns the budget?
Pakistani shopkeepers and small business owners (kiryana, medical, mobile, distributors).
Trigger: what makes them buy now?
UnverifiedNeed to track credit (udhaar), cash, stock and staff on paper and collect payments digitally.
Workflow: what inputs become what output?
Record credit and cash entries, send free reminders and invoices, run payroll and stock, request IBFT/wallet payments via links, and sell mobile load, bill payments and vouchers for commission.
Economics: what it saves and how it charges
Free app; revenue from commissions: up to 2.2% on easyload, up to 4% on vouchers, up to Rs. 12 per bill (the commissions are earned by the merchant); platform take implied.
Distribution: how it reaches customers
Self-serve mobile app download and web app; claims 5.1 million businesses.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Winter 2021 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.