Sacco Suite
Sacco Suite runs the entire back office of a savings and credit cooperative — member registration, savings, shares, loan origination and repayment, dividends, and regulatory reporting — with M-Pesa built in and every shilling accounted for.
A Full Core Banking Ledger
Double-entry ledger underneath every transaction. Savings, shares, loans, and fees always reconcile — auditors get a clean trail, not a spreadsheet export.
M-Pesa In, M-Pesa Out
Members deposit via Paybill and receive loan disbursements to their phone in minutes. Every mobile money movement posts to the ledger automatically.
Compliance Without the Panic
SASRA-aligned reports, CRB submission files, and member statements generated on schedule — not rebuilt by hand every quarter.
Everything you need, nothing you don't
Member Management
Digital onboarding with KYC documents, next-of-kin, nominated accounts, and membership classes.
Savings & Shares
Multiple savings products, share capital tracking, standing orders, and interest computation.
Loan Origination
Configurable loan products, guarantor management, appraisal workflows, and committee approvals.
Repayments & Arrears
Automated schedules, penalty rules, arrears aging, and guarantor attachment on default.
Dividends & Rebates
Year-end dividend and interest rebate runs computed per member in minutes, with statements.
Member Portal & USSD
Members check balances, apply for loans, and download statements from their phone.
Regulatory Reporting
SASRA return packs, CRB batch files, and board reports generated from live data.
Maker-Checker Controls
Dual approval on sensitive actions, full audit logs, and role-scoped teller permissions.
Simple, transparent pricing
All plans include a 14-day free trial. No credit card required.
Starter
For emerging SACCOs digitising their first ledger.
- Up to 1,000 members
- Savings, shares & loans
- M-Pesa Paybill integration
- Member statements
- Email support
Growth
For established SACCOs with active lending operations.
- Up to 10,000 members
- Full loan lifecycle & guarantors
- Dividend & rebate runs
- Member portal & USSD
- SASRA & CRB reporting
- Priority support
Enterprise
For deposit-taking SACCOs and multi-branch cooperatives.
- Unlimited members & branches
- FOSA teller operations
- Custom integrations & data migration
- On-site training
- Dedicated account manager
- SLA-backed support
Your next great product
starts with one conversation.
Whether you have a detailed brief or just a rough idea — we'll help you shape it into something exceptional. No hard sells, no jargon.
Book a free call
30-min discovery session with a senior engineer
Chat on WhatsApp
Instant response from our team in EAT timezone
Send us a brief
Share your idea — we respond within one business day
Not ready to call yet?
Drop your email — we'll send you a free technology brief tailored to your industry.