Business Loans

We give loans to start businesses to groups and chamas.

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For one to apply for any loan product, the following shall be mandatory requirements:-

About this product

This loan shall be granted to business people  with the following criteria:-

  • must be in legal business, 
  • have a business permit, 
  • registration certificate, 
  • partnership deed, 
  • KRA PIN copy, 
  • borrowing resolution and an agreement.

Incase of group 

  • Group must be registered with the ministry with a minimum of 7 members with a maximum of 20. The group shall remit deposits as a group with minimum of Kshs 1,000/= per member per month.


Terms and conditions

  1. The interest rate 13.5%, 
  2. Repayable period – 60 months
  3. For groups, the group member can self-guarantee and get individual accounts or can get loans as a group.
  4. The groups shall be required to bank with the SACCO and the FOSA account statement shall be used during appraisal.
  5. Each member shall be illegible for a loan is she/he has individual shares and the loan shall not exceed three times of the shares and can be guaranteed by the group members. Total loans for the individual group members should not exceed 2 times the cumulative group  savings.
  6. A group shall be eligible to borrow up to three times with collateral as security.
  7. Both business and group loans shall be repaid fortnightly or as agreed by the loans manager

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Nacico Sacco Services to serve you better

These services are open to all our members

Online Customer Portal

Access your account from any device anywhere in the world. Simply log into your customer portal and keep track of your finances whenever and wherever you are.

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Mobile App

Download our mobile app from the playstore and easily bank directly from your phone. Access your statements, apply for loans and so much more

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ATM Services

Access the funds in your savings account from our the over 2000 Co-op ATMs country-wide. Experience convenience by accessing your money, wherever and whenever.

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Mobile App

Access mobile banking in these simple steps. Use it to withdraw your money, transfer to other accounts and so much more.

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Deposit directly into your shares or savings account using our paybill 914050

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Open a Nacico Sacco account today and start saving for your future.

Opening an account is quick and fast and only takes a few
minutes. You only need your National ID to get started.
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