Settlement Tracking
AGAC PAY
Independent tracking of bank settlements for businesses of any size that use payment gateways, so every kobo landing in your account is accounted for.
Financial intelligence company
A financial intelligence company serving small businesses, large enterprises, and individuals; combining expert advisory with a hub of software products. Built by financial professionals to turn your numbers into decisions.
About the company
Amazing Grace Apears Limited is a financial intelligence company. We help businesses of every size, from small enterprises to large corporates, and individuals understand what their numbers are telling them, across forensic accounting, financial accounting, tax, forecasting, internal controls, CFO advisory, and debt recovery.
Every engagement is led personally, documented meticulously, and supported by software we've built in-house for reconciliation, analytics, and financial reporting.
The Product Hub
Each product was born from an engagement. Where the market lacked a tool, we built one and refined it until businesses and individuals could rely on it.
Independent tracking of bank settlements for businesses of any size that use payment gateways, so every kobo landing in your account is accounted for.
Generates financial insight and intelligence for businesses and individuals based on their transaction data, turning raw statements into decisions.
Helps businesses and individuals identify and recover excess bank charges; a detailed sweep of every fee, spread, and adjustment.
Turns your budget into a structured Nigerian stock plan: which stocks, how much in each, why they're there, and monitoring once you've bought. You invest through your own broker; we never hold your money.
Our Services
From financial accounting, tax, and forecasting to internal controls, CFO advisory, debt recovery, and forensic investigations. We support small businesses, large enterprises, and individuals.
Tracing transactions, reconstructing records, and preparing evidence suitable for litigation and regulatory review, for businesses and individuals alike.
Bookkeeping, month-end close, and IFRS-aligned statements for businesses of any size, plus clear personal financial records for individuals.
Corporate and personal tax computation, statutory filings, and advisory across VAT, WHT, PAYE, CIT, and personal income tax.
Financial models, cash-flow forecasts, and projections for business growth, fundraising, and personal financial planning.
Independent review of controls and fraud exposure for businesses and individuals managing significant assets, with practical remediation plans.
Ongoing CFO-level counsel for small businesses, large companies, and individuals who need discretion and continuity.
Structured recovery of outstanding debts owed to businesses and individuals; from reconciliation and demand letters to negotiated, documented settlement.
How we work
A confidential intake to understand your goals, timeline, and data.
Document review, interviews, and data extraction from source systems.
Our software surfaces the insights; our professionals interpret them.
Clear, actionable reports ready for your board, investors, regulator, or your own records.
In their words
“Their team unpicked eighteen months of vendor fraud in six weeks. The report held up under audit committee scrutiny without a single revision.”
“LedgerLens quietly changed how we close the books. We now find the anomalies before the auditor asks.”
“Discreet, meticulous, and unusually generous with their expertise. The rare firm you'd hire twice.”
Begin an engagement
Contact
All enquiries are treated in strict confidence. We will respond within one business day.