Standard Business loans

Members of the SMEAZ SACCOS running active businesses are eligible to access business loans. Note that access to loans is not automatic, but is subject to assessment of the need, as well as capacity to repay. There are also eligibility time periods depending on the type of loan required. Collateral will be required on some loans, and it may be in the form of immovable (title deeds, cessions etc) or movable assets.

Standard business loans consist of the following. You can click on each loan type to get details of what it is about, requirements as well as to apply.

Members can also guarantee staff loans as a means of providing improved staff benefits, which increases retention. Your Member Consultant can assist in terms of coming up with an effective staff loans policy.



Click on the button below to apply for a loan.


The SMEAZ SACCOS is a regulated body registered under the Ministry of Women Affairs, Community & SME Development. Its funds and operations are controlled and overseen by strong independent committees drawn from its membership. Our products are safe, and tailored to meet your requirements as an SME.