Asset Financing

It is everyone’s desire to own assets and properties and our focus and drive is to ensure that our members’ dreams and desires becomes a reality by providing a special loan designated for assets and properties.


  • Maximum granted is 4 times members savings
  • Maximum repayment period is 5 years
  • The maximum loan limit is Kshs. 5,000,000. (Five million).
  • Interest rate is 1% per month on reducing balance
  • The Society to finance 80% of the purchase price while the member to pay 20%.
  • The loan is guaranteed by the title deed of the land being purchased, the property being purchased or members deposits or guarantors.
  • Valuation of the land/ property/ asset where necessary shall be done by the Unifying SACCO appointed valuers.
  • Title deed/ property documents shall bear the member’s name(s), but the member will sign transfer forms and provide other necessary documents just in case of default, the SACCO will be able to dispose the property.
  • The Title deed/ property documents and the signed transfer forms will be kept in safe custody by the SACCO. The Title deed/ property documents will be released to the member after full repayment of the loan.
  • The costs of valuation, Title deed registration, stamp duty, legal fees and any other incidental costs shall be borne by the member.
  • There will be no loan top-up facility for this loan product.

How to Apply

To apply for Asset Financing loan, you need to fill the loan application form. Attach required documents (depending on the asset/ property)