The app tracks sales, expenses, and customer information, and provides tailored recommendations, reports, and business education. Oze Coach provides extra support, and the data is used to predict credit risk and provide affordable capital from banking partners. With over 150,000 registered users, Oze is the largest online community of SMEs in West Africa. The platform comprises of a mobile app for small business owners and a portal for financial institutions to assign a credit risk score to each Oze user and source a small-business loan portfolio.