Savings & Credit Co-operative · Kenya
Save together. Borrow to grow.
Biashara Plus is a member-owned SACCO for entrepreneurs, chamas and employees of our partner organisations. Save every month, build a credit record, and get loans priced for the risk you actually carry.
Credit · 6 loan products
Loans shaped around how you earn
From stocking a shop to fulfilling a purchase order, pick the facility that fits the job.
Biashara Loan
Working capital and money to expand an existing business.
Business ownersStart-up Support
Funding to set up an early-stage business and get it trading.
New venturesAsset Financing
Tools, equipment and digital devices, paid off over time.
Business ownersInvoice / LPO Financing
Short-term cash to deliver on a confirmed contract or local purchase order.
SuppliersSalary Advance
Access part of your pay early, repaid through payroll.
Partner employeesEmergency Loan
Quick, short-term cover for personal emergencies.
All members
Every loan is assessed on your creditworthiness and your savings with us. Pricing is risk-based and follows SASRA guidelines, and loans carry credit life insurance.
Savings · 4 accounts
A savings habit that opens doors
Mandatory Monthly Savings
A set minimum each month. Keeping it up is what qualifies you for a loan.
Voluntary Savings
Deposit whenever you like, in any amount, and earn annual dividends.
Targeted Savings
Put money aside for a specific goal: business stock, school fees or an emergency fund.
Group Savings
A shared account for chamas and groups taking part in group lending.
Loan limits are linked to your savings. The steadier your monthly contributions, the stronger your case when you apply.
Membership · 3 ways in
Built for people who build things
Entrepreneurs & business owners
Registered sole proprietors, SMEs and start-ups.
- Business, start-up and asset loans
- Invoice and LPO financing
- Coaching and bookkeeping support
Chamas & business groups
Informal groups that want to save and borrow as one.
- Group savings accounts
- Group-based lending
- Training delivered to the whole group
Employees of partner organisations
Staff whose employer has partnered with Biashara Plus.
- Savings deducted through payroll
- Salary advances
- Emergency loans
Eligibility
Membership is open to Kenyan citizens and residents who meet our eligibility requirements and agree to contribute share capital and monthly savings.
Getting started · 3 steps
How to become a member
Register
Fill in the membership form with your ID and contact details, or join through your chama or employer.
Buy shares & start saving
Contribute your share capital, then begin your mandatory monthly savings by M-PESA or payroll.
Grow with us
Build your record, apply for the loans that fit your needs, and join our training programmes.
Beyond credit · Training & support
Help to run a stronger business
A loan works better when the business behind it is well run. Members get practical support alongside their accounts.
Included for members
- Financial literacy trainingBudgeting, saving and managing debt.
- Business development coachingOne-to-one and group sessions on growing your enterprise.
- Credit & risk advisoryGuidance on borrowing the right amount at the right time.
Business Development Programme
Training and mentorship for MSMEs, women and youth entrepreneurs, run with donors, NGOs and CSR partners.
Enterprise toolkits
Tools of trade such as POS machines and agro-inputs for selected members, with partial co-investment for high-potential businesses where allowed.
Digital inclusion
Training and subsidised access to our digital services for rural and underserved members.
These programmes are funded by external partners and grants and are managed separately from SACCO funds. Member savings are never used to pay for them.
Digital · Any phone
Your SACCO in your pocket
Check balances, apply for a loan or repay from wherever you are. A smartphone isn't required.
- Mobile appManage your accounts, apply for loans and join training sessions.
- USSD accessWorks on any mobile phone, with no data bundle needed.
- M-PESA & bank paymentsPay in your savings and receive loans straight to your phone or bank.
- Protected dataYour records are handled in line with the Data Protection Act, 2019.
- 1. Check balance
- 2. Mini statement
- 3. Apply for loan
- 4. Repay loan
- 5. Deposit savings
- 6. Training & events
Governance · Member-owned
Owned by members, run in the open
- Integrity
- Transparency and accountability in everything we do.
- Empowerment
- Helping members grow personally and economically.
- Innovation
- Using modern tools to serve members better.
- Equity
- Open to all, whatever your background or business size.
- Sustainability
- Keeping both members and the SACCO financially healthy.
| General Meeting | Members' highest decision-making body |
| Board of Directors | Policy, strategy and oversight |
| Supervisory Committee | Compliance, risk and internal audit |
| Management Team | Day-to-day operations |
| External Auditor | Independent review of our accounts |
Fit and proper. Every director and senior officer meets SASRA's fit and proper test.
Audited every year. Audited reports and compliance filings are submitted as required, with quarterly internal audits.
Insured. Loans carry credit life cover and member funds are protected.
Join us · Talk to a membership officer
Start saving Today
Leave your details and a membership officer will call you to walk you through registration.