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Business Loan

Biashara Loan — fuel your business growth with capital that works for you

Quick, affordable finance to expand your business — competitive interest, flexible repayment, and a process built for busy entrepreneurs.

Join & Apply Now Talk to an Advisor

Biashara Loan at a Glance

Loan LimitKSh 0
Interest Rate2% / month (reducing balance)
Repayment PeriodFlexible 6 months
SecurityDeposits, guarantors & collateral
MembershipInstant
Pay via Bank Standing Order
Pay via M-PESA
Pay via SACCO Agents
Up to 5× Your Deposit Savings
Instant Membership Access
Insured Against Death & Disability
Pay via Bank Standing Order
Pay via M-PESA
Pay via SACCO Agents
Up to 5× Your Deposit Savings
Instant Membership Access
Insured Against Death & Disability
5×
Deposit multiplier
2%
Monthly, reducing balance
6
Flexible repayment months
100%
Insured against death/disability
Why Biashara?

Capital built for the pace of business

Are you a business owner looking for quick and affordable finance to expand your business? The Biashara Loan has got you covered.

Access up to KSh 100,000 — or up to 5× your member deposit savings — at a competitive 2% monthly rate on a reducing balance, with a flexible 6-month repayment term designed to ease your cash flow.

Stock & Inventory Business Expansion Working Capital Instant Membership
Details

Features & benefits at a glance

Everything built into the Biashara Loan to keep your business moving.

Loan Amount

Borrow up to KSh 100,000 — qualify for up to 5× your member deposit savings.

Interest Rate

A competitive 2% per month, charged on a reducing balance — you pay less as you repay.

Repayment Period

A flexible 6-month term with convenient ways to pay:

  • Standing order from your bank
  • M-PESA repayments
  • SACCO Agents nationwide

Backed by Your Deposits

Secured by your member deposit savings, keeping the process simple and fair.

Loan Insurance

Covered in case of death or disability of the member, protecting your business and family.

Instant Membership

Join instantly and apply within a few days — no long onboarding to slow you down.

Security

What secures your Biashara Loan

Three layers of security keep the loan fair, fast, and reliable for every member.

Deposit Savings

Your own member deposits form the core security for your loan.

Guarantors

A trusted guarantor backs your application for added confidence.

Collateral

Additional collateral options available for larger financing needs.

How It Works

Get your Biashara Loan in 3 simple steps

Join Username SACCO

Register instantly online and become a member — apply within a few days.

Build Your Deposits

Grow your savings — your loan limit scales up to 5× your deposits.

Apply & Grow Your Business

Submit your application with a guarantor and receive fast, insured funding.

FAQs

Biashara Loan — frequently asked questions

You can access up to KSh 100,000, based on qualifying for up to 5 times your member deposit savings with Username SACCO.
The Biashara Loan charges a competitive 2% per month, calculated on a reducing balance so your interest drops as you repay.
Repay over a flexible 6-month term via bank standing order, M-PESA, or through SACCO Agents — whichever is most convenient for you.
The loan is backed by your member deposit savings, a guarantor, and collateral where applicable.
Yes. The Biashara Loan includes insurance cover in case of death or disability of the member.
Membership is instant, and you can apply for your Biashara Loan just a few days after joining Username SACCO.

Ready to grow your business with Biashara?

Join Username SACCO today and put capital to work for your business — fast, affordable, and insured.

Join & Apply Now Talk to an Advisor