Loans

Affordable credit for workers, businesses, and centres

From emergency cash to the Childcare Centre Growth Loan — every product is appraised, guaranteed, and tracked with a clear trail.

1% per month· Up to 6 months

Emergency Loan

Fast access to funds when life will not wait — medical bills, family emergencies, and sudden income gaps.

Up to 2× savings

12% p.a.· Up to 36 months

Longer-term financing for personal and household development, including home improvements and major purchases.

Up to 3× savings

10% p.a.· Aligned to school terms

Pay school and training fees on time. Designed around term calendars rather than generic monthly cycles.

Based on fees invoice

14% p.a.· Up to 48 months

Finance equipment, motorbikes, appliances, and other assets that improve livelihood or centre quality.

Subject to appraisal

13% p.a.· Up to 24 months

Working capital and growth finance for childcare micro-enterprises and related businesses.

Up to 3× savings

Signature product· Up to 48 months

Our signature product. Finance equipment, renovations, learning materials, staff facilities, and centre expansion.

Subject to appraisal

A small facility fee· Until next pay cycle

A short bridge when pay is delayed or uneven — common in informal and centre-based childcare work.

Up to 50% of income

How a loan is approved

Loan calculator

Illustrative reducing-balance estimate. Final terms depend on eligibility, shares, guarantors, and credit committee review.

Loan product

Loan amount (KES)

Repayment period (months)

Assumed annual rate: 12% · Up to 48 months

Estimated monthly payment

Ksh 8,885

Ready when you are

Save. Grow. Thrive. Together. Join Collaborative SACCO as a member, centre, or sector partner.