Individual Caregiver
Parents, domestic workers, and household caregivers who want a safe place to save and borrow.
Typical products
- · Emergency loan
- · School fees loan
- · Personal development loan
Membership
Who can join Collaborative SACCO
If you work in, own, or support childcare, there is a membership path for you — with products that match your role in the ecosystem.
Childcare Worker
Frontline practitioners in centres and homes seeking emergency, education, and livelihood support.
Typical products
- · Emergency loan
- · School fees loan
- · Salary advance
Childcare Entrepreneur
Owner-operators growing home-based or independent childcare businesses.
Typical products
- · Business loan
- · Asset financing
- · Development loan
Childcare Centre
Registered centres financing equipment, renovations, materials, payroll, and expansion.
Typical products
- · Centre growth loan
- · Working capital
- · Payroll support
Childcare Organisation
NGOs and community organisations supporting the sector with institutional products.
Typical products
- · Institutional savings
- · Programme financing
Sector Partner
Allies investing in the cooperative’s capital, training, and financial inclusion work.
Typical products
- · Shareholding
- · Partnership savings
Requirements
- Be 18 years or older, or register as a childcare centre / organisation
- Work in, own, or support the childcare and care economy
- Complete the membership application and KYC documents
- Pay the registration fee and minimum share capital
- Commit to regular savings contributions
- Agree to the SACCO by-laws and code of conduct
Benefits
- A regulated cooperative home for your savings
- Access to sector-specific, affordable credit
- Share ownership and annual dividend participation
- Digital statements, loan tracking, and M-Pesa payments
- Guarantor support within the childcare community
- Free access to CAC Financial Academy
- A voice in cooperative governance
How to join
01
Choose your member type
Caregiver, worker, entrepreneur, centre, organisation, or partner.
02
Complete the application
Tell us about you, your work, and your next of kin.
03
Submit KYC documents
National ID, photos, and employment or centre documents.
04
Pay shares & registration
Minimum share capital and joining fee via M-Pesa.
05
Get your member number
Once approved, you can save, borrow, and log in to the portal.
Ready when you are
Ready to build your financial future with the childcare community?
Save. Grow. Thrive. Together. Join Collaborative SACCO as a member, centre, or sector partner.