The Elo Cloud family

Operations

Inventory & WarehouseMulti-store stock, batches, IMEI PurchasingProcure-to-pay & GRN ManufacturingBOM & work orders

Sales & POS

Point of SaleRetail & restaurant tills Offline POSKeeps selling with no internet SalesQuote to cash E-commerceShopify, Woo, Daraz

Finance

AccountingDouble-entry GL FBR / ZATCA InvoicingBuilt-in tax compliance ReceivablesAR aging & limits PayablesAP & supplier ledgers

People & CRM

HR & PayrollStatutory PK payroll CRMLead to invoice RequisitionsInternal requests

Platform

DashboardsLive group analytics NotificationsSMS · Email · WhatsApp Roles & PermissionsField-level access Multi-branchOne Head Office view White-labelSell as your own Multi-language10 langs incl. RTL

Verticals-in-a-box

Hotel PMS Restaurant Gaming & Entertainment Projects & Construction

Explore all 19 modules

Orders & channels

Order Management360° view, bulk ops, verification Multi-Channel SyncShopify, Woo, Daraz, Foodpanda Product CataloguePush, pull & compare storefronts Inventory & Stock SyncBuffers, drift & RTO re-induction

Logistics & delivery

Courier & LogisticsMulti-courier, allocation, NDR Live Order TrackingCockpit + customer tracking page Warehouse & FulfillmentPick, pack & 7-doc print pack

Money & control

Financial ReconciliationCOD, gateway, WHT & claims Analytics & ReportsScorecards, margin & P&L Automation & RulesHold, verify & auto-book

Unified commerce

One ERP, storefront to last mile

Multi-channel orders, multi-courier logistics, live tracking and COD & gateway reconciliation — every online sale posted to your real books.

Explore the Ecommerce module

By industry

RetailFashion, grocery, electronics Wholesale & DistributionBulk & dealer networks Pharmacy & HealthcareBatch, expiry, clinics Restaurant & FoodserviceQSR, cafés, cloud kitchens ManufacturingMake-to-stock or order ServicesSalon, repair, fitness, vet HospitalityHotels, events, gaming Automotive & HardwareParts, fuel, furniture

By business size

Small businessSingle shop, get started Multi-branchChains & franchises EnterpriseGroups & consolidation

1,900+ niches

Built for your exact trade

From auto spare parts to optical stores to cloud kitchens — find the configuration made for you.

Browse all industries

By country

🇵🇰 FBR Digital InvoicingPakistan · real-time IRN & QR 🇸🇦 ZATCA Phase-2Saudi Arabia · Fatoora clearance

More markets

🇲🇾 MyInvoisMalaysia · LHDN-validated UIN 🇦🇪 UAE FTA e-invoicingPeppol PINT AE via your ASP

The compliance differentiator

FBR, ZATCA, MyInvois & UAE e-invoicing — built into every invoice, not a bolt-on. Sell compliantly from day one.

Compliance hub

Learn

BlogTips, updates, playbooks Case studiesReal stores, real results Guides & resourcesBuyer guides & how-tos

Platform

IntegrationsE-commerce, payments & more Security & trustHow we protect your data PricingPlans for every size

Get started

Book a demoLive 30-min walkthrough Contact usTalk to a human Start free trial14 days, no card

Free

See EloERP in action

Book a free 30-minute demo on your own kind of business — no slides, just the product.

Book a demo

Accounting & Finance

Your books
close themselves.

A real double-entry ledger at the heart of EloERP — every sale, purchase and payment posts itself. No month-end scramble.

Start 14-Day Free Trial Watch a 2-min demo

Double-entry GL · P&L & balance sheet · Bank rec

Balanced & posted

Journal voucher · JV-0440 POSTED

AccountDebitCredit

Accounts Receivable248,500—

Sales Revenue—212,393

Sales Tax 17%—36,107

Total248,500248,500

No double entry, ever

Confirm a sale — the ledger writes itself

One transaction posts balanced double-entry across every account it touches, instantly.

INV-2048$248,500

DRAccounts Receivable+248,500

CRSales Revenue+212,393

CROutput Tax 17%+36,107

CRInventory (COGS)−180,400

Not just sales

Everything posts itself — whatever business you run

Every part of the business writes its own double-entry, in the same ledger, as it happens. Not a nightly export, not a sync, not a summary journal somebody keys in on Monday.

Where it comes from	What posts
Sales & POS	Invoices, counter sales, returns, credit and debit notes, delivery notes, instalment receipts and write-offs, gift cards and store credit
Purchasing	Purchase invoices, goods received, purchase returns, supplier payments
Stock	Opening stock, stock counts, adjustments, wastage, branch transfers, cost corrections
Manufacturing	Material consumption and cost absorption on production
Restaurant	Recipe cost of sales, wastage, tips, aggregator settlements, rider remittances
Hotel	Folio settlements, banquet settlements, night audit
Hospital	OPD and IPD bills, patient deposits, pharmacy, laboratory, voids, cashier variances
Services	Job cost of parts as they leave stock
Payroll	Payroll runs, payments and reversals
Banking	Transfers, contra entries, the whole cheque lifecycle
E-commerce	Online sales, returns, courier remittances, gateway payouts
Period end	Opening balances and year-end closing entries

EloERP recognises more than sixty kinds of business event that post to the ledger on their own. Each posting is balanced before it is written — an entry that would not balance is refused rather than saved and reconciled later.

Whether you run a shop, a restaurant, a hotel or a hospital, it all lands in one ledger — automatically, as it happens. That is the difference between an accounting feature and the accounting department for whatever business you run.

Statements on demand

P&L and balance sheet — live

Because the ledger is always current, your numbers are real-time, not month-old — for any period or branch.

Profit & LossJun 2026

Revenue$4,820,000

Cost of goods sold(3,180,000)

Gross profit$1,640,000

Operating expenses(980,000)

Net profit$660,000

Net margin 13.7%

Balance Sheet30 Jun 2026

Total assets$12,400,000

Total liabilities$4,900,000

Owner's equity$7,500,000

Liabilities + equity$12,400,000

Balanced

Trial Balance30 Jun 2026

Cash & bank1,240,000

Accounts receivable2,860,000

Inventory3,410,000

Accounts payable(1,980,000)

Total debits18,730,000

Total credits18,730,000

In balance

Run the trial balance for any date range, for one branch or the whole group — then drill from any line into the ledger behind it, and from there into the original document. Exports to Excel for your auditor.

Beyond profit

Where the money actually went

Profitable and short of cash is the most common way a growing business fails. This is the statement that shows the difference.

Cash Flow StatementJun 2026

Operating$742,000

Investing(310,000)

Financing(180,000)

Net movement in cash$252,000

Indirect method

Ratio Analysis30 Jun 2026

Current ratio2.14

Quick ratio1.36

Debt to equity0.65

Gross margin34.0%

Return on equity8.8%

Figures shown beneath each ratio

The cash flow statement is built from the ledger rather than a separate cash register, and every account already carries a cash-flow classification worked out from its own type and code — so you get a usable statement without tagging a hundred accounts first. Any account can be reclassified where the default reading is wrong.

The figures your bank will ask for, already calculated. Liquidity, leverage, profitability and efficiency ratios are computed from the live ledger, each shown with the numbers underneath it so it can be checked rather than taken on trust. A ratio that genuinely cannot be computed reports nothing rather than printing a zero that reads as a real result.

Getting paid

Know exactly who owes you, how much, and how late

Without building a spreadsheet on Sunday night.

Receivables ageing$2,860,000

Current1,659,000

1–30686,000

31–60343,000

60+172,000

Payables ageing$1,980,000

Current1,267,000

1–30416,000

31–60198,000

60+99,000

General ledger & day bookEvery movement on an account with a running balance, for any period — plus the day book, the end-of-day check across every account.

Statements you can sendA party statement formatted to go out — what you email when someone queries their balance — and a party balance report across all customers and suppliers at once.

Voucher register & sale profitEvery voucher raised, filterable by type, with its entries — and margin per sale, per line, per variation.

Any number on any statement, traced back to the document that made it, in two clicks. Every report drills through to the transaction behind it, and everything exports.

Controls & banking

Every voucher, reconciled and signed off

All the manual vouchers you need — with approval thresholds — plus bank reconciliation that always agrees.

Vouchers · audit-ready

Journal voucherJV-0440 · opening stock

BALANCED ✓

Payment voucherPV-118 · $480,000

NEEDS APPROVAL

Receipt voucherRV-882 · $150,000

POSTED ✓

Credit noteCN-22 · reverses INV-90

POSTED ✓

Bank reconciliation

Book balance$1,284,300

Bank statement$1,284,300

42 transactions matchedauto

Difference$0

Many banks, many accountsMultiple banks and multiple accounts per bank, each with its own ledger. Transfers between accounts, and between bank and cash, post both sides automatically.

Multi-currencyMaintain exchange rates and convert between currencies, so a business importing from abroad or selling into another market records what it actually paid or received.

Tax summary over the ledgerWhat was charged and what was paid for any period. FBR, ZATCA, MyInvois and UAE FTA filings draw on the same transactions that post to the ledger — what you file and what you book are the same data.

Cheques hold a real position until they clear

Post-dated cheques are how a large share of business is settled — so they belong in the ledger, not a spreadsheet.

Every cheque in and out moves through a real lifecycle — pending, deposited, cleared, bounced, cancelled or replaced — with the user, the moment and the reason recorded on each move. With clearing accounts enabled, a cheque you receive is held as an asset in Cheques in Hand and then Cheques Under Collection, and one you have issued sits as a liability, so your bank balance is only touched when a cheque actually clears. When one bounces there is a genuine position to reverse — including the bank's charges — rather than a hole to patch by hand.

Explore Cheque Management

Multi-branch

Every branch balances on its own

Head office sees the group.

A real set of books per locationEvery ledger entry carries the branch it belongs to, so each branch has a genuine trial balance and P&L of its own — not a filtered view of a single pool.

Consolidated statementsHead office can run any statement consolidated across the group, sitting on top of the per-branch books rather than replacing them.

Inter-branch clearingStock moving between branches posts a proper inter-branch clearing entry, so both sides balance individually and net to zero for the company.

The consolidated view is head-office only, by design. A branch user sees their own branch. That is a control rather than a limitation — it keeps group figures with the people accountable for them.

Budgets

From bookkeeping to management

The accounts stop being a record of what happened and become a comparison against what was supposed to happen.

Account	Budget	Actual	Variance	%
Revenue	4,600,000	4,820,000	+220,000	+4.8%
Cost of goods sold	3,050,000	3,180,000	+130,000	+4.3%
Salaries	620,000	598,000	−22,000	−3.5%
Marketing	180,000	214,000	+34,000	+18.9%

Set a budget against each account, per period, in a grid rather than one screen at a time — and copy last year forward with an uplift instead of re-keying it. Compare budget to actual for any date range, with the variance in both money and percentage.

Part-months are pro-rated. A report covering 12 March to 20 April is measured against the matching slice of each month's budget, not against two whole months. That detail is what decides whether a variance report gets trusted or quietly ignored.

Switching from another system

You already have books. Here is what happens to them

Opening balances, a working chart of accounts, and a year you can close properly.

Opening balances on your dateBring in customer and supplier balances, bank and cash positions, stock and account balances as at a date you nominate — so the books start from a real position, not from the day you signed up. Everything entered is held in a register so it can be reviewed and corrected.

A working chart, not a blank pageYou start with a standard chart of accounts structured in groups, and extend it with your own accounts and sub-accounts. Accounts carry the classifications that drive the cash flow statement and the ratios, and access to specific ledgers can be restricted by role.

Close the year, and lock itDefine financial years to suit the business, then close one when it is finished: income and expense accounts clear to retained earnings and the period locks so nobody can post into a year already reported and filed.

A closed year can be reopened deliberately. It is a controlled action, not a locked door with no key — because corrections do genuinely happen, and a system that makes them impossible is one people work around.

The completeness check

Your P&L tells you when a cost hasn’t posted

Rather than showing you a profit you haven’t made.

The profit and loss statement cross-checks its own cost of sales against what the stock records say should have been charged. Cost of sales is read from the ledger, so the statement always ties to the trial balance — and alongside it, the expected figure is computed from the underlying stock movements.

If anything failed to post — a recipe that never recorded its consumption, a product configured so that its cost never reached the accounts — the difference is shown on the statement, with the amount named, instead of being quietly absorbed into gross profit.

This pre-empts the sharpest question in any accounting demo: “how do I know these figures are complete?” Most systems show you a number and let you find out a year later that it was wrong.