For Kenyan SACCOs
Run your SACCO.
Connect your members.
A Back Office for your team. A Member App for the people you serve.
A SACCO is a member-owned cooperative where people save and can apply for loans.
Different ways people save and invest together
SACCO
A Savings and Credit Cooperative Organisation. Members own it, save with it, and can apply for loans under its rules. Savings and lending are at its core.
Investment club
People pool their money and decide how to invest it together. Members share the gains or losses according to their agreement. Joint investment is its main purpose.
Chama
Common in Kenya, a group whose members contribute towards agreed goals. They might take turns receiving the money, support someone in an emergency, lend, or invest together.
The SenteRail platform
One SACCO. Two connected products.
The living weave
Woven around your members.
Inspired by kitenge: individual threads, connected into something stronger.
Welcome
Invite members into your SACCO.
Save
Keep savings and shares in view.
Borrow
Follow loan requests and repayments.
Decide
Your SACCO makes the lending decisions.
Why we built SenteRail
People work hard for the money they save together. They should be able to see what they’ve contributed, understand what they owe, and know how decisions are made.
Clarity for members
We want members to see their savings, follow contributions, and understand loan terms before they agree.
Support for SACCO teams
We built SenteRail to help the people collecting contributions, keeping records, and putting agreed rules into practice.
Build with us.
Work with our team, help a SACCO get started, or talk to us about investing in SenteRail.
Partner with usBring your SACCO together.
Start an application or talk to our team.
Applications are reviewed before activation.