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Made for Uganda & East Africa

Stop running your
SACCO on WhatsApp.

Members, Savings & Loans in one place.

See How It Works
JAMOBNAKRK

70+ SACCOs across Uganda already use SaccoFlow

0
Members
▲ 12 this month
0
Savings (M)
▲ UGX 2.1M
0
Active Loans
▼ 2 overdue
Nakato Aisha registeredKitintale SACCO · just now
+Member
Deposit confirmedOmondi Peter · M-0041
UGX 150K
Loan approvedBirungi Florence · LN-0018
UGX 800K
Nakato Kirungi75%
Omondi Peter25%
Birungi Florence90%
Ssali James60%
NK
Nakato Kirungi Active
OP
Omondi Peter Active
BF
Birungi Florence Active
SJ
Ssali James Suspended
Kampala City SACCO
Wakiso Teachers' Savings
Gulu Women's Table Bank
Mbale Staff SACCO
Jinja Traders' Chama
Entebbe Professionals SACCO
Masaka Community Savings
Mbarara Farmers' Cooperative
Lira Youth SACCO
Fort Portal Table Banking
Arua Market SACCO
Soroti Teachers' SACCO
Tororo Savings Group
Kabale Highlands SACCO
Hoima Oil Workers' SACCO
Kampala City SACCO
Wakiso Teachers' Savings
Gulu Women's Table Bank
Mbale Staff SACCO
Jinja Traders' Chama
Entebbe Professionals SACCO
Masaka Community Savings
Mbarara Farmers' Cooperative
Lira Youth SACCO
Fort Portal Table Banking
Arua Market SACCO
Soroti Teachers' SACCO
Tororo Savings Group
Kabale Highlands SACCO
Hoima Oil Workers' SACCO
0
SACCOs Onboarded
0
Members Managed
0
Shillings Tracked
0
Uptime SLA

The Hard Truth

Most SACCOs are one Excel crash
away from disaster

 The Old Way

Scattered, stressful, error-prone

Balances tracked in Excel — one wrong formula, everything is wrong
Members managed in a WhatsApp group and a notebook
Loan approvals done via phone calls, no paper trail
End of month reconciliation takes the whole weekend
No audit trail — you can't tell who changed what, or when
Members don't trust the numbers because they can't verify anything

 The SaccoFlow Way

Organised, transparent, trusted

Real-time balances updated the moment a transaction is recorded
Members have proper profiles — ID, photo, next of kin, history
Loans go through a formal workflow: apply → approve → disburse → repay
Reports generate in seconds, any time, any device
Every action logged: who did it, what changed, when — always
Members see their own statement — trust built automatically

Everything You Need

One platform, every feature

Members

Every member, properly registered

Ditch the notebook. Each member gets a unique ID, a full profile with national ID, date of birth, contacts, next of kin, branch, and their complete transaction history — always accessible, never lost.

  • Auto-generated member numbers (M-00001, M-00002…)
  • National ID uniqueness enforced per SACCO
  • Assign members to specific branches
  • Activate, deactivate, or suspend with one click
Member Registry
Kampala City SACCO · 247 members
NK
Nakato Kirungi
M-00041
Active
OP
Omondi Peter
M-00042
Active
BF
Birungi Florence
M-00043
Active
SJ
Ssali James
M-00044
Inactive
+3 new members today

Savings

Every shilling accounted for

Open savings accounts for each member, record deposits and withdrawals, and always know the exact balance. Full transaction history, instantly exportable for audits or member queries.

  • Individual savings accounts per member
  • Deposits and withdrawals with reason/reference
  • Real-time balance updates
  • Transaction history export to PDF or Excel
Savings Breakdown
This quarter
UGX 18.4M Total Savings
Deposits
UGX 24.1M
Withdrawals
UGX 5.7M
Interest
UGX 1.2M
Other
UGX 0.4M

Loans

Loans that actually get repaid

From application to final repayment — a proper workflow. Loan officers apply, managers approve or reject, disbursements are recorded, and repayments tracked automatically against the outstanding balance.

  • Full loan lifecycle: apply → approve → disburse → repay
  • Track outstanding balance per member in real time
  • Repayment schedules with instalment tracking
  • Flag overdue loans automatically
Active Loans
4 of 12 shown
Nakato Kirungi75%
Total: UGX 2,400,000Remaining: UGX 600,000
Omondi Peter25%
Total: UGX 1,200,000Remaining: UGX 900,000
Birungi Florence90%
Total: UGX 800,000Remaining: UGX 80,000
Ssali James60%
Total: UGX 3,000,000Remaining: UGX 1,200,000
Loan approved · UGX 800K

Reports

Audit-ready reports in seconds

Generate member statements, loan schedules, savings summaries, trial balances, and full audit logs — any time, any device. Export to PDF or Excel for regulators or your AGM.

  • Member statements with full transaction history
  • Loan portfolio summary and arrears report
  • Income statement and balance sheet
  • Complete audit trail — who did what, when
Monthly Summary
March 2026 · Kampala City SACCO
Total Deposits UGX 8,450,000
Total Withdrawals UGX 2,100,000
Loans Disbursed UGX 5,600,000
Loan Repayments UGX 3,200,000
Net Savings Growth UGX 6,350,000
Export PDF / Excel

Pricing

Straightforward pricing in Uganda Shillings

No hidden fees. No "contact sales" for basic features. No surprises.

30-day trial — no card needed
Free
UGX0
forever, with limits
Try everything free for 30 days. After that, stay on free tier with no time limit.
  • 1 Branch
  • Up to 50 Members
  • Member Management
  • Basic Savings
  • Loan Module
  • Reports & Export
  • Multi-branch
Starter
UGX49,000
per month
For a small SACCO ready to go fully digital — members, savings, and loans covered.
  • 1 Branch
  • Up to 500 Members
  • Full Member Management
  • Savings & Loans
  • 5 Staff Accounts
  • Basic Reports
  • Multi-branch
Most Popular
Growth
UGX129,000
per month
For growing SACCOs managing multiple branches and a large, active membership.
  • Up to 5 Branches
  • Up to 2,000 Members
  • Full Member Management
  • Savings, Loans & Repayments
  • 20 Staff Accounts
  • Reports + PDF/Excel Export
  • Priority Email Support
Enterprise
UGX299,000
per month
For large federations and multi-branch cooperatives with compliance requirements.
  • Unlimited Branches
  • Unlimited Members
  • Everything in Growth
  • Unlimited Staff Accounts
  • Full Audit Reports
  • Dedicated Support
  • Custom Onboarding

All paid plans include a 30-day free trial. No credit card needed. Have a special case? Talk to us.

Real People, Real SACCOs

What SACCO leaders say

Before SaccoFlow, I was spending every Sunday reconciling Excel files. Now our members WhatsApp me asking why their balance went up — because they can see it in real time. That trust is priceless.

JA
★★★★★
Jane Akello
Treasurer, Kitintale Community SACCO

We had a loan officer who was approving loans informally. SaccoFlow's audit trail caught it. The system paid for itself in the first month. Every approval is now on record.

MO
★★★★★
Moses Ochieng
Chairman, Gulu Teachers' SACCO

I was skeptical — I thought it would be too technical for our members. But even our oldest member can check her savings balance on her phone. The simplicity is what I love most.

BN
★★★★★
Beatrice Namukasa
Manager, Wakiso Women's Table Bank

FAQ

Questions we get asked a lot

After your trial you automatically move to the Free plan — 1 branch, up to 3 users, and up to 50 members — and all your data stays intact. No credit card is required to start, and you can upgrade to a paid plan at any time from the Billing page inside your dashboard.
Yes. You define loan products with your own interest rates, repayment periods, and grace periods. Each loan application goes through a configurable approval workflow (single or multi-level), and every repayment is posted to the member's ledger immediately. You can print or export a full loan statement for any loan at any time.
Yes — Cash Rounds is a built-in module. Create a group, add members, set the contribution amount, and run cycles. The system tracks contributions per cycle, supports shuffle or manual ordering of the payout queue, and marks cycles complete once the lump sum is disbursed. Multiple groups can run simultaneously.
You get member, savings, and loan reports that can be exported to CSV. On the accounting side there is a full double-entry general ledger with a trial balance, income statement, balance sheet, and account ledger. Every posting — deposits, withdrawals, loan disbursements, repayments, interest — creates a journal entry automatically.
Administrators create custom roles and assign granular permissions — for example a loan officer who can disburse loans but cannot access accounting or billing. Permissions are checked on every page and every action, so staff only see what they are allowed to see. An audit log records every change made in the system.
The Free plan supports up to 50 members, Starter up to 500, Growth up to 2,000, and Enterprise is unlimited. When you reach your plan's limit the system blocks new registrations and shows an upgrade prompt. Existing members and their data are never affected — simply upgrade from the Billing page to continue growing.

Your SACCO deserves
better than Excel.

Join 70+ Ugandan SACCOs that already made the switch. Start free — no card, no commitment.

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