# Lucrive

> Financial management software for Nigerian MSMEs (Micro, Small and Medium Enterprises).

Lucrive is a web application built specifically for Nigerian business owners. It handles invoicing, receipt management, tax calculation, pricing analysis, budget forecasting, and NRS (Nigeria Revenue Service) e-invoicing compliance. All monetary values are in Nigerian Naira (NGN). Payments are processed via Paystack.

## What Lucrive Does

- **Invoicing**: Create, send, and track professional invoices. PDF generation, multi-currency support (with manual exchange rates), public shareable invoice links, recurring invoices. NRS e-invoicing via DigiTax.
- **Receipt management**: Record receipts by date, amount, category, and payment method. Link to invoices. PDF export.
- **Tax tools**: Estimate VAT (7.5%), WHT (Withholding Tax), PAYE (monthly per-employee), CIT (Company Income Tax), and Education Tax based on Nigeria Tax Act 2025. AI-powered tax assistant (Lex) using retrieval-augmented generation over Nigerian tax statute and LIRS guidelines.
- **Pricing calculator**: Compute cost per unit from materials, labour, and overhead using CIMA absorption costing. Multi-product mode. Safety buffer and margin analysis.
- **Budget and forecasting**: Monthly budget planning, actual vs. budgeted variance, revenue actuals from paid invoices.
- **Client management**: Client list with Days Sales Outstanding (DSO) and receivables aging buckets (Current / 1–30d / 31–60d / 60+d).

## Target Market

Nigerian MSMEs — sole traders, freelancers, retail businesses, agencies, professional services firms, and small-to-medium companies operating in Nigeria. Primary currency: NGN. Tax regime: Nigerian federal and state tax law.

## Pricing (as of 2026, VAT-inclusive at 7.5%)

| Plan | Monthly (NGN) | Annual (NGN) | Key limits |
|---|---|---|---|
| Free | 0 | 0 | 10 invoices/billing cycle, 10 Leo AI queries/month, up to 20 clients |
| Professional | 8,900 | 80,100 | Unlimited invoices, full tax reports, WHT certificates, up to 200 clients |
| Enterprise | 19,900 | 179,100 | Multi-branch, up to 5 team members, quarterly CA-reviewed reports, white-label invoices |
| Advisory | 75,000 | 720,000 | All Enterprise + dedicated finance consultant, monthly 1-on-1 sessions |

## Integrations

- **Paystack** — subscription billing (NGN only)
- **Supabase** — PostgreSQL database and auth
- **Resend** — transactional email delivery
- **Anthropic Claude** — AI tax assistant (Lex) via claude-sonnet-4-6
- **OpenAI** — text-embedding-3-small for tax document RAG
- **DigiTax by Namiri** — NRS e-invoicing submission (access point for Nigeria Revenue Service)
- **Vercel KV (Upstash Redis)** — rate limiting and embedding cache

## Security

- HTTPS everywhere (Vercel deployment)
- Supabase Row-Level Security (RLS) on all tables
- TOTP 2FA available (Google Authenticator, Authy)
- HMAC-SHA512 webhook verification (Paystack)
- Password minimum: 12 characters, zxcvbn strength score ≥ 2
- Login rate limiting: 5 failed attempts → exponential backoff (10s → 300s)
- Session idle timeout: 60 minutes (users), 15 minutes (admins)
- No service-role key exposed to browser

## Compliance

- **NDPA 2023** (Nigeria Data Protection Act): consent at signup, cookie notice, data subject rights (export and deletion via email request to info@lucrive.io)
- **NRS e-invoicing**: DigiTax Access Point integration for NRS-compliant IRN generation
- **VAT**: 7.5% (Finance Act 2025/2026)
- **WHT**: Rates per Nigeria Tax Act 2025
- **PAYE**: Computed per-employee using 2025 PIT bands (≤ NGN 1.2M exempt)

## Data Export

- Invoices: PDF (jsPDF), shareable public link
- Receipts: PDF
- Tax calculator: CSV
- All user data: export request via info@lucrive.io (NDPA right of access)

## Support

- Email: info@lucrive.io
- WhatsApp: +2348108076463 (Enterprise/Advisory)
- Priority support (1-hour response): Enterprise plan
- Priority support (4-hour response): Professional plan

## System Requirements

- Any modern web browser (Chrome, Safari, Firefox, Edge)
- No app download required
- Installable as a Progressive Web App (PWA) on Android and iOS 16.4+
- All data processing happens in-browser and via Vercel serverless functions

## Limitations

- NGN-only billing (Paystack)
- No mobile native app (web and PWA only)
- Receipt entry is manual (no photo upload or OCR)
- AI tax assistant (Lex) has a 10-query/month limit on the free plan
- NRS e-invoicing is available but DigiTax commercials are pending go-live confirmation
- No public REST API for third-party integrations (as of 2026)

## Company

Lucrive is a product of Leopartis Advisory. Deployed at lucrive.io. Nigerian-owned and operated.

## Links

- Homepage: https://lucrive.io
- Pricing: https://lucrive.io/pricing
- Product specs: https://lucrive.io/specs
- Privacy Policy: https://lucrive.io/privacy
- Terms of Service: https://lucrive.io/terms
- Blog: https://lucrive.io/blog