Credit that moves at the speed of your business
Loan products
Borrowing built around how you earn
01 / 08
Business Loans & Advances
Fuel operational expansion, purchase inventory, and manage cash flow with enterprise-focused credit facilities.
Inua Biashara
Tailored working capital loans which is a credit line to expand scale and boost revenue.
Chapchap Loan
Rapidly processed emergency working capital for urgent operational demands.
SME Loan
Structured middle-tier financing for equipment, stock, and business expansion.
Working Capital Loan
Short-term credit to smooth out cash flow and pay operational costs.
Corporate Business Loan
High-value capital designed for larger, established corporate enterprises.
02 / 08
Salary & Payroll Loans
Credit solutions tailored around predictable salary income streams.
All Salary Earners
Flexible personal loans backed by verified salary income.
Pensioners Loan
Affordable financing designed specifically for retirees receiving stable pensions.
Check-Off Loans
Seamless loan structures repaid directly via employer payroll deductions (Available to TSC employees, Civil Servants, and County Government staff).
03 / 08
Micro-Credit & Chama Loans
Inclusive financing options leveraging social capital and group structures.
Chamaa (Group) Loans
High-impact funding advanced to registered groups for collective investments.
Individual Group Member Loans
Personal business credit extended to individual members guaranteed by group dynamics.
04 / 08
Agri-Based Financing
Sector-specific credit solutions driving modernization across key agricultural value chains.
Tea & Coffee (Kahawa) Loans
Advance credit facilities for farm inputs, maintenance, and harvest processing.
Milk & Dairy Loans
Operational capital for dairy machinery, farm upgrade, and livestock health.
Pig & Poultry Loans
Targeted credit for feed, breeding stock purchase, and housing construction.
Horticulture Loans
Financing for high-value crop production, irrigation systems, greenhouse setups, and fertilizers.
Agri-Youth Enterprise Product
Specialized facility for young entrepreneurs (under 35) active across agricultural value chains from inputs (seeds, feeds) and primary production to transport, cold storage, processing, and retail distribution.
05 / 08
Asset Financing
Transform capital expenditure into manageable structured investments.
Asset Financing
Acquisition credit for land, heavy machinery, commercial motor vehicles, and business equipment without depleting cash reserves.
06 / 08
Construction Loans
Makao Residential Loan
Long-term mortgage financing up to 15 years for residential home construction and development.
Makao Commercial Loan
Targeted real estate development facilities up to 7 years for commercial property projects.
07 / 08
Specialized Loans
Accessible financial products for emergency, educational, and modern needs.
Education & Elimu Loans
Financial support for tuition fees and school requirements across all academic tiers.
Insurance Premium Financing (IPF)
Lump-sum premium payment support repaid in manageable monthly installments to ensure non-stop policy coverage payable in 10 months.
Green Energy Financing
Flexible loans for purchasing sustainable energy infrastructure (e.g., solar systems, biogas units).
Institutional Loans
Capital support for schools and faith institutions to complete development projects and acquire key assets.
08 / 08
Instant Mobile Banking Loans
Access instant loans anytime via USSD *645#, the Tai Sacco App, or WhatsApp Banking.
Mkazi Loan
Emergency liquidity for salaried members to bridge short-term cash flow gaps for the employed.
- Max limit:
- Kshs 50,000
- Term:
- 3 Months
Mbiashara Loan
Fast mobile working capital for business owners to restock inventory or fulfill order requests.
- Max limit:
- Kshs 50,000
- Term:
- 3 Months
Mtai Loan
Instant micro-credit for everyday personal or quick business operational expenses.
- Max limit:
- Kshs 20,000
- Term:
- 1 Month
M-Inua
This is a credit line that you access on Mobile Banking, over the counter and also at the Agencies.
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