Run your fleet from WhatsApp.
Drivers text. An AI agent reads receipts, books seat payments, and dispatches substitute drivers — no forms, no spreadsheets. The credit history Ghanaian lenders trust builds itself.
Three steps. Then it runs itself.
Add your fleet
Register your vehicles and drivers in 5 minutes. Set the daily seat amount and work schedule for each driver.
Drivers text on WhatsApp
No app to install. Drivers report in plain English — “Yaris 1 fuel 50” or a snap of the receipt — and the agent parses it, resolves the vehicle, and posts the entry.
Watch the dashboard fill in
Verified income, who's paid, who's behind, profitability per vehicle — updated in real time. Plus a credit profile that grows over 90 days.
An AI agent in your WhatsApp.
SikaFlow isn't a form with a chat box bolted on. Between every message, an agent reads, decides, and acts — turning WhatsApp into an operating system for your fleet.
Understands plain English
“Yaris 240 today fuel 50”, “Kwame paid 600”, “need a sub for Civic tomorrow” — the agent extracts amounts and resolves the right vehicle and driver from nicknames or typos. No syntax, no codes.
Reads receipt photos
Snap a fuel-pump or workshop receipt. Vision extracts the amount, vendor, and date and ties it to the right vehicle. Verified spend without typing — a key input to the credit score.
Dispatches substitutions
Need a sub? The agent ranks your opted-in network by reliability, city, and rating, then messages the top picks in parallel. The first YES atomically claims the gig — no double-booking possible.
Generates insights, not charts
Plain-English summaries — “Seat collection up 18% vs last month. Kwame paid on time 14 days running.” Derived from verified mobile-money flows, not vibes. Surfaced the moment they matter.
The result: owners spend minutes a day in the dashboard, not hours in spreadsheets. Drivers stay on the apps they already use. The credit history compounds in the background.
Know who paid. Without chasing anyone.
Your real income is the seat fee — so that's what we put front and center, verified by mobile money, not driver self-reports. Open SikaFlow at 8am and tell at a glance:
- Today's seat status — every driver, paid or not, in one strip.
- Running balance per driver — partial and multi-day payments handled automatically (FIFO).
- Vehicle ROI ranking — which car earns vs which one bleeds maintenance.
- WhatsApp commands for owners — record cash by texting “Kwame paid 600”.
Owner dashboard · /fleet
Driver public score · /driver/[token]/score
A network — not just bookkeeping.
SikaFlow gives drivers a portable record of their work, and owners a way to find a fill-in when life gets in the way.
Drivers self-onboard
Text “register” to the SikaFlow number, pick up a 5-star reliability rating as you work, and show it to any owner. Works on any phone with WhatsApp.
Reliability that travels
Earn a 0–5 ★ rating from on-time payments, fuel discipline, and parking confirmations. It lives at a public link you can hand to anyone hiring.
Nightly parking check
No GPS hardware. The bot asks where the vehicle is parked at end of shift; reply “parked Circle” or send a photo. Theft and side-trips become obvious.
Substitution marketplace Beta
When your regular driver is sick, text “need a sub for Yaris 1.” The agent ranks your network, pings the top picks, and awards the first yes. You make the call.
90 days of activity becomes a lendable record.
Most fleet owners can't get a loan because they have no paper trail. SikaFlow's agent turns the messages and payments you already do every day into a structured credit profile — auto-generated, lender-ready, exported as a PDF you control.
- 5-factor score (300–850) — verified by mobile money, not self-reports.
- Shareable PDF reports — generate on demand, hand to a lender via a 48-hour signed link.
- Partnered micro-lenders — eligibility shown inline based on your score and revenue.
Credit profile · /credit
Get on the list. Built for Ghana.
We're onboarding fleets in waves through the private beta. Drop your details and we'll reach out when access opens for your area.