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