Everything your SACCO runs on a desktop today, running properly instead
Membership, loans, savings, dividends and SASRA returns — on one platform, with a ledger that closes itself.
Three things every board notices in month one
Numbers the board can see the morning after month-end, not two weeks later.
CRB score, guarantor status and cross-SACCO exposure, on the screen before the meeting starts.
See a member’s exposure at every other SACCO on the network before you approve, not after.
Onboarding, not a migration project
Tell us your member count, sector, and licence category (DT / NWDT / Commissioner-only). We confirm fit in one call.
We import members, savings balances, loan books and guarantor records from whatever you run today — spreadsheet or legacy core.
Loan products, savings types, approval thresholds and your M-Pesa paybill get set up against your actual by-laws, not a generic default.
Admin staff are trained on the portal; members get the app. Your SACCO decides the cutover date.
Priced by member count, not by negotiation
One monthly subscription, set by how many members your SACCO has. We don’t charge a fee on member M-Pesa payments at launch — Safaricom’s own charges still apply, paid directly to Safaricom. Pilot SACCOs pay no subscription for their first 90 days.
For small and community SACCOs getting off desktop software.
- Member app, admin portal, both included
- M-Pesa deposits & disbursements
- Loan underwriting & guarantor management
- SASRA return drafts
- Standard support
For an established SACCO growing its loan book.
- Everything in Micro
- Dividends workflow with approval steps
- Bulk SMS tools
- Audit trail, roles & permissions
- Standard support
For large SACCOs and multi-branch operations.
- Everything in Growth
- Multi-branch reporting
- Deeper integration with your current systems
- Priority support
The first SACCO case study — member count, time-to-close, loan-book growth — goes here once we have one to tell properly.
No. Deposits move directly from a member’s M-Pesa into your SACCO’s own paybill; disbursements move from your own B2C wallet to the member. SaccoSphere never touches the money in between — only the record.
Yes. Members, savings balances, loan books, guarantor records and dividend history import from a spreadsheet or your legacy core as part of onboarding.
The platform supports all three licence categories — DT, NWDT, and Commissioner-registered-only. FOSA (withdrawable savings) features are gated to DT tenants automatically; everything else works regardless.
A single-branch SACCO with clean records is typically live within two to four weeks. Multi-branch migrations from a legacy core take longer — we scope this on the first call.
Talk to us about your SACCO
Bring your member count and current pain points — we'll tell you honestly whether you're a fit before we show you anything.