Because Every Good Idea Deserves a Chance.

At Fortune Sacco Ltd, our loan products are tailored to the unique needs of farmers, entrepreneurs, and salaried members. From coffee and tea to rice, horticulture, apiculture and more, we provide essential capital for inputs, projects, and asset growth. Recognizing the difficulty of accessing working capital, we offer fast, smart, and secure loan processes that help businesses expand with confidence. Salaried members also enjoy convenient credit for personal and household needs, reflecting our commitment to efficient, reliable, and inclusive financial support.
Loan Products Bronchure

9B+

Loans Disbursed

100,000+

Lives Transormed

90%

Satisfaction Rate

24hrs

Avg. Processing
Explore Business Loans
Explore Agricultural Loans
Explore Salary Loans
Explore Green Loans

Fortune Afya Loan

This is a short-term loan facility designed to finance annual premiums for SHA and COOP Care medical cover. It allows members to spread premium payments into manageable monthly installments, reducing the financial burden of lump-sum payments.
Eligibility
• Active Sacco membership, 18 years and above-• Minimum membership period as per Sacco policy• Enrolled or intending to enroll under SHA, COOP Care, or both
• Product Term: 12 months, no top-up allowed• Security: No guarantors required; repayment via check-off or verified income• Interest: 1% per month
Call us to apply

Business Loans

For the entrepreneurs, the go-getters, and the empire builders.

  • Zidisha Loan

  • This product leverages the Zidisha shares 5x multiplier, allowing business-minded members to access working capital up to five times their savings. It’s designed to boost your business cash flow while encouraging a strong savings culture within the SACCO. FLEXIBLE TERMS-Up to 4 years repayment -30-day grace period -Early repayment rewards -Enables you to acquire a top-up facility
  • SMART SECURITY MODEL
    Your Zidisha shares are the primary security.Other Collaterals such as Logbooks and Title Deeds can supplement larger amounts.Allows for a member support system through Guarantorship.Secure your investment through our Insurance protection.

  • Insurance Premium Financing

  • Protect your financed assets like vehicles, homes, or business premises without the strain of lump-sum payments.

    This facility lets you spread insurance premiums into affordable monthly installments, ensuring you're always covered, even during tough financial times.
  • With IPF, Fortune Sacco pays the full premium upfront on your behalf to the insurer, and you simply repay the Sacco gradually over the agreed period. This means:
    -No delays in renewing your insurance
    -Immediate coverage even when money is tight
    -Flexible repayment terms that fit your budget
    -Protection of essential assets throughout the year

  • Fortune Project Finance

  • This loan provides SACCO members with capital to undertake high-value projects such as apartments, zero-grazing units, rental houses, commercial buildings, greenhouses, or modern farming infrastructure.It helps you build long-term wealth by turning major investments into sustainable, income-generating assets.Step 1: Share your project vision with usStep 2: We assess feasibility togetherStep 3: Secure 70% financing approvalStep 4: Launch your project with confidence
  • SUBSTANTIAL FINANCING-Up to 70% project funding - You contribute only 30%-Long-term financing up to 5 years (60 months)-Competitive interest rates that protect your marginsBUSINESS-FOCUSED APPROACH-Buy-off facility available from other lenders-30-day grace period to get your project runningSMART COLLATERAL OPTIONS-Project assets serve as security - Your investment protects itself-Flexible collateral arrangements based on project size

  • Fortune Asset Loan

  • The Fortune Asset Loan empowers SACCO members, whether in business, farming, or formal employment to acquire key assets such as plots of land, motor vehicles, and equipment. What sets it apart is our 100% financing option: a rare and highly competitive offering in today’s market. Whether you're investing in land or expanding your asset base, this loan gives you the flexibility and affordability to grow.
  • UNBEATABLE FINANCING-Up to 100% financing depending on asset type-Flexible loan amounts based on asset value-Buy-offs available from other financial institutionsCONVENIENT TERMS-Up to 48 months to repay-30-day grace period after disbursement-Monthly repayments that fit your budget

  • Mpesa Float Advance

  • This is a short-term financing solution designed to empower Mpesa Agents with Financing so that their operations remain seamless and profitable.
    Need a quick boost to meet your float demands?This 7-day advance loan is designed for Mpesa agents, providing fast and easy access to funds directly into your agent account. Stay liquid, serve customers without interruption, and keep your business running smoothly.
  • Why It Matters

    -Eliminates downtime caused by low float-Protects your daily commissions and earnings by enabling continuous transactions-Supports peak business days like month-end, school opening, salary periods, and festive seasons-Helps you manage cash-flow gaps without interrupting service-Boosts customer confidence as your shop becomes reliable for quick withdrawals and deposits

  • Inuka Working Capital

  • Designed to boost your business with funding based on your turnover and cash flow. Who Qualifies:-Must be a member for at least 3 months.-Must show consistent business activity and cash flow.Loan Features:-Amount based on ability to repay (cash flow analysis).-Repayment period: up to 36 months.
  • Requirements:
    -SACCO-conducted business cash flow assessment.-Original logbook or title deed if collateral is required.-Vehicle valuation (if applicable) from SACCO-approved valuer.

Agricultural Loans

Get the working capital you need for seeds, feed, and labour, so your farm can thrive while you wait for the harvest payday.

  • Kahawa Development Loan

  • Caters for longer term needs of the coffee farmers such as farm development, capital and assets requirements such as irrigation systems. The borrower must be able to demonstrate the following qualifications; i. Must be a member of the SACCO and have been banking with the SACCO for a period of more than 3 months. ii. Demonstrate that he/she has at least 3 years’ coffee production from the primary society.
  • Interest: The interest rate charged will be as per the SACCO tariff and will change with time. • Loan appraisal fee as per the SACCO tariffs from time to time (this will be consolidated to include the form fee). Loan Size: The loan amount shall be based on the member’s ability to pay that will be determined by the coffee production. Loan Duration: i. The loan repayment period shall be up to 48 months. ii. Top-ups are allowed for good borrowers after the loan has been repaid for a period of 12 months.

  • Kahawa Advance

  • Caters for short term needs of the coffee farmers such as farm inputs, labor and short term consumption needs such as school fees and medical fees.
     The borrower must be able to demonstrate the following qualifications;
     i. Must be a member of the SACCO and have been banking with the SACCO for a period of more than 3 months. ii. Demonstrate that he/she has at least 3 years’ coffee production from the primary society
  • Loan Size: The loan amount shall be based on the member’s ability to pay that will be determined by the coffee production as well as the farmers other sources of income. Loan Duration: Up to 12 months Collateral: 2 Guarantors with equal or higher production/guarantee based on their level of non-withdrawable deposits that they offer as guarantee.

  • Tea Development Loan

  • Caters for long term needs of the tea farmers such as farm development, capital and assets requirements.The borrower must be able to demonstrate the following qualifications; i. The borrower must be a member of the SACCO and have been banking with the SACCO for a period of more than 3 months. This requirement will be waivered in the case of loan buy off from another financial institu-tion. However, the loan officer should ascertain change of pay point of the tea proceeds.
  • Loan Size: i. The loan amount shall be based on the member’s ability to pay that will be determined by the tea production as well as the farmer’s other sources of income. ii. To qualify for a top-up the borrower will be appraised afresh to determine his/her willingness and ability to repay. Loan Duration: Maximum 36 Months.

  • Ngo'mbe Loan

  • To allow dairy farmers purchase good quality cows for high milk production. - The farmer will be able to purchase the animal of his choice and source. - The loan will also cater for the insurance cover for the animal against accidental death/injury. The borrower must be able to demonstrate the following qualifications; i. The borrower must be a member of the SACCO and have been banking with the SACCO for a period of more than 3 months.
  • Loan Size: i. The loan amount shall be based on the member’s ability to pay that will be determined by the borrower’s cash flows. ii. All other sources of the farmer’s incomes shall be considered while determining the ability to pay.

  • Maziwa Loan

  • This is a short-term loan for dairy farmers who deliver their products through registered and recognized dairy co-operatives, processors to access credit facilities through the SACCO to meet their short term needs. Qualifications:i. The borrower must be a member of the SACCO and have been banking with the SACCO for a period of more than 3 months. ii. Must demonstrate that he/she is a dairy farmer who has been practicing for at least one year.
  • Loan Size: The loan amount shall be based on the member’s ability to pay that will be determined by his/her dairy production.
    Loan Duration: Payable within 12 months.

  • Rice Star Loan

  • A short term agricultural loan for rice farmers to finance farm inputs for increased rice production. The borrower must be able to demonstrate the following qualifications; i. The borrower must be a member of the SACCO and have been banking with the SACCO for a period of more than 3 months. ii. Must demonstrate that he/she is a rice farmer at Mwea Irrigation Scheme who has been practicing it for at least one year (previous sales records, storage records, invoices).
  • Loan Size: The loan amount shall be based on the member’s ability to pay that will be determined by his/her expected rice production for the financing season.
    Loan Duration: Payable within 9 months.

Salary Loans

For salaried members with check-off systems.

  • Golden Salary Loan

  • This loan facility is available to salaried members of Fortune SACCO for their medium to long term develop- ment needs. The product is meant for all salaried members (existing and onboarding) ranging from TSC, civil servants, county government employees, and private firms’ employees like KTDA etc. Qualifications: i. The facility is available to permanent salaried employees who are members of Fortune SACCO. ii. The borrower must be a member of the SACCO and his/her salary is processed thorough the SACCO.
  • Loan Size: Subject to 2/3 rule Loan Duration: Up to 72 months • A multiplier of 4 applies on the ordinary shares

  • Super Golden Loan

  • This loan facility is available to salaried members with Zidisha shares for their long term development needs. The product is meant for all civil servants, parastatal and Government employees.

    The facility is available to permanent salaried employees who are members of Fortune SACCO. • No guarantors required for loans up to Kshs 3 Million (payslip used as security)• Loan to be booked in the payslip before disbursement
  • Loan Size: Subject to 2/3 rule Loan Duration: Up to 120 months REQUIREMENTS• 3 latest pay slips• National ID copy• KRA PIN• Collateral for loans above Kshs 3 Million

  • Salary Advance

  • This advance will be available to the salaried employees to takecare of their very short term needs.
    Qualifications: i. The facility is available to permanent salaried employees who are members of Fortune SACCO. ii.The borrower must be a member of the SACCO and his/her salary is processed thorough the SACCO for a period of at least 3 months. iii. Has been accumulating the non-withdrawable savings as required by the SACCO for qualification of the loan.
  • Loan Size: Subject to 2/3 rule Loan Duration: One Month • Salary must be remitted through the SACCO for a period of 3 months

  • School Fees Loan

  • General Requirements:
    ·Member salary must go through Fortune Sacco or be processed through the check-off system·Require guarantors and are secured by member deposits·Require stamping at the payroll office.·Two (2) recent payslips are required.
  • Loan Period: 18 months·Interest Rate: 2.5% per month·Security: Guarantor + Deposits·Payroll Stamping: Required·Other Requirements: Two (2) recent payslips·Purpose: Strictly for payment of school fees·Processing: Within 24 hours upon qualification·Disbursement Option: Cheque can be written directly to the school

  • Fosa Advance

  • General Requirements:
    ·Member’s salary must be channeled through Fortune Sacco·No stamping at the payroll office is required·No guarantor is needed
  • ·Loan Period: 1 to 3 months·Interest Rate: 10% per month (on reducing balance)·Security: None ·Purpose: For immediate short-term needs such as food, transport, and small emergencies·Processing: Prompt disbursement upon qualification

  • Special Emergency Loan

  • General Requirements:
    ·Member salary must go through Fortune Sacco or be processed through the check-off system·Require guarantors and are secured by member deposits·Require stamping at the payroll office.·Two (2) recent payslips are required.
  • ·Loan Period: 12 months·Interest Rate: 2% per month·Security: Guarantor required, or Deposits·Payroll Stamping: Required ·Other Requirements: Two (2) most recent payslips·Purpose: Urgent and unforeseen emergencies (e.g., medical, funeral)Processing: Prompt disbursement upon qualification

Green Loans

These are loans specifically designed to finance projects that are environmentally friendly or those that reduce environmental impact.

  • Mazingira Loan

  • In line with the economic, social and governance requirement, the Sacco is in partnership with Rainforest Alliance who have awarded the SACCO a grant to support the Mount Kenya sustainable landscape and livelihood program.
    The funds shall be issued to clients as loans to strictly finance Rainforest Alliance agribusiness proposals/ business cases in support of livelihood diversification.The product is meant for smallholder producers, women and youth groups.
    The product is delivered at competitive interest rate with an enhanced TAT.
  • ·Have an account with fortune Sacco·Be a person above 18 years and of sound mind·Must be a business targeting groups, individuals, institutions and value chain approved by R.A·Adherence to the Sacco’s and R.A appraisal process
    Loan Duration: A maximum of 36 months