Member ChargesBill the whole SACCO in one run
The annual management fee for every active member, with a due date, in a single step.
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: Run your SACCO on one member ledger.
Members and shares, savings and fixed deposits, loans with guarantors and a credit committee, member charges, paybill collections and a member portal, all posting to one set of books.
Free instant access. No credit card required. Priced per member.
Apps in the suite
Members & Shares
Savings
Loans
Bank Collections
Member Portal- Member Charges
Every member, from the form to an active account
The register the whole SACCO works from: applications, documents, next of kin, employment and check-off, groups and share capital.
- Members & Shares
One card per member
Member number, branch, category and phone at a glance, with the member's own photo, for every member from applicant to active.
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- Member Portal
Online applications, checked in the office
The joining form arrives with the applicant's ID and photo, and the registration fee shows as unpaid, claimed or confirmed by the bank before anyone approves it.
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- Members & Shares
Share capital, purchase by purchase
Every share purchase is a confirmed transaction with its receipt and payment method, and a member only goes active once the minimum holding is paid.
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Step by step
A loan in seven steps
The same record from the application to the last repayment, with the rules checked at every step.
- Step 1
Apply
On the portal or at the counter. The limit shown is the product's multiple of the member's deposits.
Member Portal - Step 2
Review
The loans office checks the application against the member's record and savings.
Loans - Step 3
Guarantors
Members pledge part of the loan against their own savings, and accept on the portal.
Loans - Step 4
Appraisal
Fees, the net disbursement and the monthly instalment are worked out before approval.
Loans - Step 5
Committee
Loans above the product's threshold wait for the credit committee.
Reports & Dashboard - Step 6
Disbursed
By mobile money, bank or to savings, and posted to the loans journal.
SACCO Accounting - Step 7
Repaid
Check-off or paybill repayments, each split into principal and interest.
Bank Collections
Guarantors and a credit committee, built in
Six loan products come set up, each with its own limits, term, rate, guarantors and committee threshold.
- Loans
The pipeline, one column per stage
Submitted, under review, waiting on guarantors, in appraisal, at the committee and disbursed: the loans office sees where every application stands.
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- Loans
The committee sees the numbers
The requested amount against the member's eligible limit, the processing and insurance fees, the net disbursement and the monthly instalment, before anyone approves.
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- Loans
The loan and its schedule
Principal, interest, what is paid and what is outstanding, with every instalment of the schedule and what was paid against it.
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- Loans
Guarantors who can actually cover it
A guarantor can pledge up to their savings times the product's guarantor factor, less what they already guarantee on running loans.
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Savings the way members save
Regular, fixed-deposit, holiday, education and junior accounts, fed by check-off, mobile money, bank transfer and cash.
- Savings
The account and its statement
Available, ledger and held balances and the interest earned, with every transaction beneath them and its running balance.
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- Savings
Every deposit, from every channel
Check-off, mobile money, bank and cash deposits in one list, each with its reference and the entry it posted.
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- Savings
Fixed deposits with their own terms
A sum placed for a term at its own rate, with the principal, the maturity date and the interest due on the account.
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Paybill money reaches the member by itself
Members pay to the SACCO's Co-operative Bank of Kenya paybill with their member number as the account. The bank's notification credits them the moment it arrives.
Bank CollectionsCredited as the bank reports it
Each payment shows the member it matched, what it paid for, the bank's transaction code and the savings entry it created.
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Bank CollectionsAnything unmatched waits for a teller
A payment whose account number matches no member stops in a review queue with a to-do, instead of vanishing into suspense. The teller picks the member and confirms.
Explore Bank Collections →By the numbers
Rules the system keeps for you
- 3×
- The default borrowing limit: three times the member's deposits, set per loan product.
- 2×
- A guarantor pledges up to twice their savings, less what they already guarantee.
- 0
- Double credits when the bank sends a notification twice: every payment code is a key.
A member portal that works on any phone
Balances, deposits, repayments, loan applications and guarantor requests, without a visit to the office.
- Member Portal
Everything a member owns, on one page
Total savings, share capital, the loan balance and the charges due, with the next instalment and recent activity.
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- Member Portal
Apply with the limit in view
Each loan product shows its rate, term, guarantors and the most the member can borrow on it today, and says so when a product is not open to them yet.
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- Member Portal
Guarantor requests, answered online
A member asked to guarantee a loan accepts or declines on the portal, and sees every loan they already guarantee.
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Join online, straight from your website
The joining form lives on the SACCO's own website and hands every application to the office.
Member PortalFive minutes to apply
Personal details, contact, work and next of kin, photos of the ID, then the registration fee by mobile money in the last step.
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Member PortalEvery application in one list
The office sees each application with its fee state, reviews it, and approving it creates the member.
Explore Member Portal →Fees and fines without the exercise book
Management fees, fines, passbooks and uniforms, billed one member at a time or all at once.
Every payment against its charge
Member ChargesMember ChargesWaive with a reason
The committee can waive a charge; the reason and who waived it stay on the record.
Explore Member Charges →The books keep themselves
Every deposit, withdrawal, disbursement, repayment, share purchase and fee posts to BridgeERP Accounting the moment it is confirmed.
Both sides of every posting
SACCO AccountingFour SACCO journals
Savings, loans, shares and charges keep their own journals, apart from the rest of the books.
Explore SACCO Accounting →SACCO AccountingMapped once
Each savings product, loan product and charge type points at its own accounts, set up once in the SACCO account settings.
Explore SACCO Accounting →The board reads the same numbers
The dashboard and reports are read from the same records the tellers and the loans office work on.
Reports & DashboardThe loan book by product
Outstanding balances across emergency, development, school fees, business, asset and salary advance loans.
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- Reports & Dashboard
Deposits by month and channel
Check-off, mobile money, bank and cash deposits month by month.
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- Reports & Dashboard
The portfolio, pivoted
Principal and outstanding balance by product for running and repaid loans, ready to export.
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Who uses it
Built for everyone in the SACCO
Teller
Deposits, withdrawals and fee payments at the counter, and the unmatched paybill payments that need a member picked.
Loans officer
Applications from review to appraisal, guarantors followed up, arrears chased from the overdue list.
Credit committee
The applications above the threshold, with the appraisal figures in front of them.
Treasurer
The SACCO journals, the collection accounts and the monthly figures, already posted.
Manager and board
The dashboard: members, share capital, savings, the loan book, arrears and income.
Member
Balances, deposits, repayments, loan applications and guarantor requests on the portal.
From joining to a repaid loan
The member, the office, the credit committee and the treasurer work on the same record all the way through.
Joining, saving, borrowing and repaying, with guarantors and the committee in the loop.
- Member
- Front office
- Credit committee
- Finance
Stage 1 of 7 · Member
Joins online
Fills in the form, uploads the ID and photo, and pays the registration fee to the paybill.
Member Portal →
In the suite
Eight apps, one member ledger
Each app is part of the SACCO Suite and shares the same members, products and general ledger, so a paybill deposit, a check-off deduction or a repayment at the counter lands in the same books.
- Members & SharesThe member register: applications, KYC documents, next of kin, employment and check-off, groups, branches and share capital.Included in every plan
- SavingsRegular, fixed-deposit, holiday, education and junior savings, with deposits and withdrawals from every channel.No extra charge
- LoansLoan products with their own limits, guarantors, appraisal, the credit committee, schedules, repayments and arrears.No extra charge
- Bank CollectionsPaybill deposits credited to the member as the bank reports them, STK push prompts, and a review queue for anything unmatched.+$13.56/mo at 1,000 members
- Member PortalMembers join online, check balances, deposit, repay, apply for loans and answer guarantor requests from any phone.+$13.56/mo at 1,000 members
- Member ChargesManagement fees, fines, passbooks and uniforms, billed one by one or in bulk and paid by mobile money, cash, bank or from savings.No extra charge
- SACCO AccountingEvery deposit, disbursement, repayment, share purchase and fee posted to the general ledger through the SACCO journals.Included in every plan
- Reports & DashboardThe SACCO dashboard, member statements, the loan portfolio report and savings, loans and income analysis.No extra charge
Plus the whole BridgeERP platform
The same plan can carry any of these: one login, one database, no integrations to buy. Pick them app by app on the pricing page; every plan already includes BridgeERP Core.
BridgeERP Core
Accounting
Expenses
Invoicing
Sign
Subscriptions
Employees
Fleet
Frontdesk
Payroll
Recruitment
Shift Planning
Time Off
Appointments
Field Service
Helpdesk
Projects
Timesheets
Email Marketing
Events
Marketing Automation
SMS Marketing
Surveys
eCommerce
eLearning
Live Chat
Website Builder
Approvals
Discuss
Documents
Internet of Things
Knowledge
Meeting Rooms
VoIP
Getting started
From first look to go-live
Build your plan
Pick the apps your SACCO needs. The pricing page shows what the plan costs for your member count before you commit.
Start your free trial
Your BridgeERP environment is provisioned instantly, with no credit card required.
Go live
Bring your member register, share and savings balances and running loans across with guided import, then lean on training and support from our team.
Questions
Questions about SACCO Suite
Not covered here? Contact us.
Who is the SACCO Suite for?
Savings and credit co-operatives, credit unions and member-owned savings groups that take deposits from their members and lend to them. A microfinance institution or a lender that serves customers rather than members is better served by the Bridge MFI Suite.
How is the SACCO Suite priced?
Per member, per month, never per staff login: every plan carries unlimited users. Members & Shares, Savings, Loans, Member Charges, SACCO Accounting and Reports & Dashboard come in every plan; Bank Collections and Member Portal each add a share of the member charge. The pricing page builds the exact monthly figure for your member count before you commit.
Can members pay with mobile money?
Yes. Bank Collections works with the Co-operative Bank of Kenya paybill: members pay with their member number as the account, and the bank's notification credits their savings as it arrives. STK push prompts can be sent from the portal or the counter, and anything that does not match waits in a review queue for a teller.
Does it handle check-off from employers?
Yes. Each member's employment record says whether deductions come through the employer's check-off, and savings deposits and loan repayments are recorded with check-off as their payment method.
Can we set our own loan rules?
Every loan product carries its own amount and term limits, interest rate and method, borrowing multiple of deposits, minimum membership period, number of guarantors and the share of the loan they must cover, fees, and the amount above which the credit committee has to approve.
How do guarantors work?
A guarantor pledges part of the loan against their own savings: up to their savings times the product's guarantor factor, less what they already guarantee on running loans. They are asked on the portal and accept or decline there, and a repaid loan stops counting against them.
Can people join online?
Yes. The joining page on your website takes the applicant's details, ID and photo, and the registration fee by mobile money. The office reviews the application and confirms the fee, and approving it creates the member.
Can we bring our existing members and balances?
Yes. Your member register, share and savings balances and running loans come across with guided import during go-live, with training and support from our team.
Does it replace our accounting system?
It posts into BridgeERP Accounting through four SACCO journals, one entry for every deposit, disbursement, repayment, share purchase and fee. Bank reconciliation, financial statements and the rest of the finance work happen in the same ledger.
Members, savings and loans: one ledger, one SACCO.
From the membership form to the audited books, every payment a member makes is traced to the account it landed in, with an audit trail behind every posting.