Simple savings and fair credit that work with your harvest, your herd and your household, plus free training to help your farm grow.
Save
Saving regularly keeps your money safe, earns you interest and builds the record you need to borrow.
Savings
Save weekly or monthly, any amount you can manage. Your savings are kept safely with clear records, and they grow over time.
Groups
Farmer groups and workers’ associations can save and borrow together, with one shared, transparent account the whole group can follow.
Borrow
Fair credit for farming and family life, with repayment plans agreed with you before you borrow.
Loan
Borrow for seed, fertiliser, feed or tools, and repay after you harvest or sell. Sized to fit your garden or plantation.
Loan
Bigger goals need bigger support: a dairy cow, a water tank, a storage store, or a small agribusiness of your own.
Loan
Quick help for the moments you cannot plan for, like school fees due tomorrow or a sudden medical bill.
Learn
Practical sessions that help you manage money well and get more from your farm.
Budgeting, saving and borrowing wisely.
Simple farm and business records.
Better yields from your land and herd.
Finding fair buyers for your produce.
How to apply
Loans are for members. Here is what the process looks like once you have joined and started saving.
Join the SACCO, buy your shares and save regularly. Your savings history supports your loan.
Tell us what you need the loan for. We will explain the options and what you need to bring.
Fill the loan form with your plan and your guarantors, usually fellow members who know you.
The Credit Committee reviews your application, and we agree a repayment plan that fits your season.
Plan ahead
Try the loan calculator for an estimated monthly repayment, then talk to our office about the loan that fits you.
