This loan shall be granted to business people  with the following criteria:-

• must be in legal business, 
• have a business permit, 
• registration certificate, 
• partnership deed, 
• KRA PIN copy, 
• borrowing resolution and an agreement.

Incase of group 

• Group must be registered with the ministry with a minimum of 7 members with a maximum of 20. The group shall remit deposits as a group with minimum of Kshs 1,000/= per member per month.

Terms and conditions

1. The interest rate 13.5%, 
2. Repayable period – 60 months
3. For groups, the group member can self-guarantee and get individual accounts or can get loans as a group.
4. The groups shall be required to bank with the SACCO and the FOSA account statement shall be used during appraisal.
5. Each member shall be illegible for a loan is she/he has individual shares and the loan shall not exceed three times of the shares and can be guaranteed by the group members. Total loans for the individual group members should not exceed 2 times the cumulative group  savings.
6. A group shall be eligible to borrow up to three times with collateral as security.
7. Both business and group loans shall be repaid fortnightly or as agreed by the loans manager