![](https://universaltraders.co.ke/wp-content/uploads/2022/08/pexels-andrea-piacquadio-3760067-1-1024x683.jpg)
Normal Loan
This is a loan facility for all Sacco members for their business needs.
Features
- Loan given up to three (3) times a members normal shares.
- Maximum repayment period of 36 months.
- Up to one month grace period.
- No minimum loan amount.
![](https://universaltraders.co.ke/wp-content/uploads/2022/08/pexels-nicola-barts-7927429-11-1-1024x683.png)
Upesi Emergency Loan
This is a short term loan facility to help members meet their emergency financial needs such as Medical bills, School fees, and other emergencies.
Features
- Loan given up to 40%of the member’s shares.
- Up to six months repayment period.
- Loan processed within 24 hours.
- No minimum loan amount.
![](https://universaltraders.co.ke/wp-content/uploads/2022/08/pexels-omotayo-tajudeen-3213283-1024x730.jpg)
Matunda Loan
This loan facility is tailor made to finance the mango value chain and to ensure quantity and quality mango production from the mango farmers.
Features
- lt is designed for both individual mango farmers and those in registered farmer groups of at least five farmers.
- The loan is meant to purchase inputs, irrigation equipment, and farm assets.
- Share contribution for at least three months before accessing the loan.
- Up to six months grace period.
- Loan given up to ten (10) times the member’s shares.
- Up to 3 months repayment period during harvesting.
![](https://universaltraders.co.ke/wp-content/uploads/2022/08/ndemange-1024x614.jpg)
Dairy Farming Loan
This is a loan facility tailor-made to finance the dairy value chain.
Features
- Repayment period of up to 24 months with 3 months grace period.
- Options for monthly, weekly, or daily repayments.
![](https://universaltraders.co.ke/wp-content/uploads/2022/08/pexels-picha-stock-3869651-1024x683.jpg)
Biashara Loan (Group Lending Product)
Loan advanced to individual group members who contribute minimum 200 shillings on weekly basis.
Features
- Member must save 25% of the loan amount.
- Flexible loan amounts to meet member needs.
- Fast loan processing and disbursement.
- Loan given up to ten (10) times the member’s shares.
- Loan given up to ten (10) times the member’s shares.
- Up to six months grace period.
- Flexible weekly/monthly repayment up to 24 months.
- Free eight weeks Business skills training.
![](https://universaltraders.co.ke/wp-content/uploads/2022/08/pexels-livier-garcia-1459339-1024x683.jpg)
Mkulima Bora Loan
This loan is aimed at promoting horticultural farming through modern technology.
Features
- Loan given to farmers five (5) times their normal shares.
- Maximum Loan ceiling is Ksh- 100,000.
- Repayment period not more than seven (7) months.
- Up to three months grace period.
- Free technical training offered to the farmers.
- Market linkages to the farmers.
![](https://universaltraders.co.ke/wp-content/uploads/2022/08/pexels-antony-trivet-12925608-1024x683.jpg)
Chai Plus Loan
This loan facility is designed to support the tea farmers through affordable and flexible financing.
Features
- Loan given 4 times members normal shares.
- Repayment Period 24 months.
- Loan secured using tea bonus and guarantors.
- No minimum loan amount.
![](https://universaltraders.co.ke/wp-content/uploads/2022/08/pexels-fotostudio-all-eyes-on-you-11551682-1024x681.jpg)
Livestock Loan
Covers;
- Beekeeping loans(for people practicing modern beekeeping Technologies).
- Kuku Loan
![](https://universaltraders.co.ke/wp-content/uploads/2022/08/pexels-antoni-shkraba-7144185-1024x683.jpg)
Asset Financing Loan
This loan facility is designed to help our members purchase assets such as motor vehicle, land, tuk tuks, generators, water tanks, school equipment etc.
Features
- Up to 36 months repayment Period.
- Purchased assets used as security for the loan.
- Loan financed up to 75% of the asset value
![](https://universaltraders.co.ke/wp-content/uploads/2022/08/salo-loan-1024x684.jpg)
Salo Plus Loan
Features;
- No waiting period.
- No minimum loan amount.
- Repayment Period 84 months.
- Loan given 8 times members normal shares.
![](https://universaltraders.co.ke/wp-content/uploads/2022/08/pexels-andrea-piacquadio-3760069-1024x683.jpg)
Other Loans
We also have the following loans and services;
- Biashara Plus loan/Super group loan.
- Employee Salary Advance.
- Employer Salary Advance.
- Mkulima Halisi (legumes) Ndengu& Beans loan.
- Mkulima Bora plus loan.
![](https://universaltraders.co.ke/wp-content/uploads/2024/04/loan-1024x676.jpg)
Check off loans
- Loan facility for individual who are employed either by the Government, Reliable companies with MOU’s with the Sacco.(Eg TSC, Civil servants, universities, Parastatals)
- No waiting period
- Loan buy offs available
TSC Paypoint
- Fosa Advances & loans available for TSC Teachers whose they salary paypoint is UTS.
- Very fast processing of advances & loans
![](https://universaltraders.co.ke/wp-content/uploads/2022/08/pexels-roberto-hund-5357178-1024x683.jpg)
Msacco
Enables members transact in there comfort without physically vising any office
Members can perform following services by dialing *346#
- Withdrawal money from account
- My account – for Balance inquiry / retrieval of Mini statements
- Loans – to check loan status / loan repayment
- Funds Transfer – can transfer funds to other member account
- Deposit – make deposits to Normal, capital, Akiba/current savings account, Call deposit account
- Pins change
- Upesi loan – processed and disbursed realtime.