Page Introduction

Loan Facilities

Bottomline Unique Sacco (BUS) provides affordable and accessible credit facilities to eligible members of Bottomline Unique Association. Affordable loan products and structured savings plans are designed to support member growth.

Our loan products are designed to support development, emergency needs, and economic empowerment while maintaining responsible borrowing principles.

Emergency Loan

Emergency Loan

Purpose: For unexpected personal or family emergencies.

Key Features

• Fast Processing

• Short repayment period

• Affordable Interest terms

• Based on active membership status

Maximum Amount: Ksh. 50,000

Repayment Period: 6 months

Interest Rate: 1% monthly on a reducing balance.

Personal Development Loans

Personal Development Loans

Purpose: For Education, health or self-improvements projects.

Key Features

• Quick approval Process

• Flexible repayment duration

• Based on member savings and eligibility

• Requires guarantors or approved security

Maximum Amount: Four times member savings, upto Ksh. 500,000.

Repayment Period: 24 months

Interest Rate: 12% annually on a reducing balance.

Business Loans

Business Loans

Purpose: For Small or medium-sized business expansion.

Key Features

• Quick approval process

• Flexible repayment period

• Affordable Interest rates.

Maximum Amount: Ksh. 1,000,000

Repayment Period: 36 months

Interest Rate: 14% annually on reducing balance.

School Fees Loans

School Fees Loans

Purpose: For school fees payment

Key Features

• Quick approval

• Flexible repayment period

• Affordable Interest rates

Maximum Amount: Ksh. 300,000

Repayment Period: 12 months

Interest Rate: 1% monthly on a reducing balance.

Asset Financing Loans

Asset Financing Loans

Purpose:For purchase of vehicles, machinery or property.

Key Features

• Fast processing

• Based on active membership status

• Flexible repayment period

Maximum Amount: Ksh. 2,000,000

Repayment Period: 48 months

Interest Rate: 15% annually on reducing balance.

Unique Loan Products

Unique Loan Products

Purpose: For funding table banking, merry-go-round initiatives, or group investments.

Key Features

• Competitive Interest rates

• Flexible repayment period

• Based on group savings and eligibility

Maximum Amount: Ksh. 1,000,000

Eligibility: Groups of 5- 20 members

Repayment Period: 24 months

Interest Rate: 10% annually

Loan Eligibility

Loan Eligibility

To qualify for a loan, a member must:

• Be an active Sacco Member

• Have consistent savings contributions

• Meet minimum share capital requirements

• Provide guarantors where required

• Have no outstanding loan default.

Responsible Borrowing Statement

Responsible Borrowing

Botttomline Unique Sacco encourages prudent borrowing aligned with member's repayment capacity. Our goal is sustainable financial growth- Uniquely Growing. Mbele Pamoja.

Call to Action

Apply for a Loan Today