1. A fully registered member of Kenya Police Sacco owning a business.
2. Any registered group where everybody is an active member of Kenya Police Sacco. The group should have an income generating activity.

1. Open a business at FOSA.
2. The individual/group will be required to make regular deposits to the FOSA account, (weekly, fortnightly or monthly).
3. After two months of savings, the member/group will be eligible for a loan.

1. Expansion of business (Retail, Wholesale, Supermarket, Petrol Station, Hotel, Salon, Barber Shop, etc).
2. Housing (Commercial Houses) and Purchasing of land (mainly for groups).
3. Transport Business & Commercial Vehicles.
4. Agriculture.

1. Interest Rate:           1.25% per month (15% per annum).
2. Repayment Period:  24 months (Factor: 20.03).
3. Qualifying Amount: 4 times savings in business account.
4. Insurance:                 Covered under UBF.
5. Security:                    Title Deed/Log Book.

1. Interest Rate:            1.25% per month (15% per annum).
2. Repayment Period:   48 months (Factor: 34.04).
3. Qualifying Amount:  4 times savings in business account.
4. Insurance:                  Covered under UBF.
5. Security:                     Title Deed/Log Book.

1. Interest Rate:           1.25% per month (15% per annum).
2. Repayment Period:  36 months for transport business e.g Matatus (Factor: 27.66)
   48 months for commercial vehicles e.g Tractors (Factor: 34.04).
3. Qualifying Amount:   4 times savings in business account.
4. Insurance:                   Covered under UBF.
5. Security:                     Title Deed/Log Book/Members Deposits for  groups.

1. Interest Rate:            1.25% per month (15% per annum).
2. Repayment Period:   48 months (Factor: 34.04).
3. Qualifying Amount:  4 times savings in business account.
4. Security:                     Title Deed/Members Deposits

1. Interest Rate:             1.25% per month (15% per annum).
2. Repayment Period:   12 months (Factor: 10.91).
3. Qualifying Amount:  4 times savings in business account.
4. Insurance:                  Covered under UBF.
5. Security:                     Title Deed/Members Deposits.

Member applies for a loan and attaches the security pledged (Title Deed or Log Book)

1. Security handed to a valuer for searching and valuation.
2.  After valuation, charging of the documents is done by a lawyer.
3. Loan is disbursed after (i) and (ii) have been done.
4. Valuation and Charging fees are borne by the borrower.

1. Business assessment done to confirm ownership and sustainability.
2. Business records confirmed to ascertain the profitability of the business being funded.
3. Amount eligible is four (4) times what one has in business.
4. However, the actual amount depends on the ability of the business to service the loan.
5. 60% business profit is factored as the eligibility amount of repayment.