PulNama: Smart Business Ledger

PulNama is a smart business ledger and management app built for shops and growing businesses. Keep customer credit, collections, payments, outstanding balances, multiple currencies, and cash flow organized in one clear workspace. Replace scattered paper ledgers with records that are easier to review, share and keep up to date. KEY FEATURES • Customer accounts See each customer’s credit history, payments, due dates and outstanding balances. • Fast transaction entry Record a credit sale or payment quickly, with the amount, currency, date and notes. • Clear digital receipts Create a receipt for each transaction, then download or share it with the customer. • Multiple currencies Keep AFN, USD, PKR, TRY, IRR, TJS, EUR and other currency balances separate and clear. • Reports and trends Review credit issued, collections, transaction activity and business performance over time. • Smart cash-flow alerts Identify risky accounts and weak collection patterns before they become a larger problem. • Smart business services Use smart settlement, customer debt transfer, market-price information and group-buying opportunities where available. • Offline-first operation Continue recording essential business activity without internet and sync when a connection returns. • Business modes PulNama can adapt to general shops, fuel stations, pharmacies and other multi-currency businesses. PulNama is a record-keeping and business-management tool. It does not issue loans, hold funds, process card or bank payments, transfer money, execute foreign-exchange transactions or provide investment services. Smart settlement calculates and records mutually agreed offsets between existing ledger balances; no funds move through PulNama. Some smart services may vary by country, region and participating businesses.