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🎯 Sacco Guarantor Liability Shield

Your deposits back other people's loans — find your true unencumbered borrowing power.

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📖 How this works — 30-second tutorial
  1. Enter your total Sacco deposits, your own active loans, and everything you've signed as guarantor.
  2. Guaranteed amounts freeze the matching deposits — they can't back your own borrowing until released.
  3. Your true power = (free deposits × 3) minus current loans; the frozen figure is leverage locked away.
  4. Above 50% exposure, request guarantor substitutions from the borrowers before applying for a big loan.

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1 in 3

Sacco members don't know their total guarantor exposure — and discover it only when they try to borrow.

SASRA Sacco Supervision Report 2024

💪

Free up

frozen deposits by tracking guarantees and negotiating releases — unlocking borrowing power you already earned.

Employment Act Cap. 226, Sacco Societies Act

Spotted a figure that looks wrong? Tell us what it should be. Tax bands and rates change on somebody else’s schedule — a reader with their own payslip catches a stale one faster than we do.