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SenteRail for SACCOs

Run the SACCO. Serve your members.

One connected platform for your team’s daily work and your members’ everyday finances.

Register your SACCOBook a demo
Loan-product setup with lending terms, member preview and kitenge cover choices.
Kenya Member App demo dashboard with savings and account activity in KES (KSh).

Two connected products

Built around both sides of your SACCO.

For your team

A clear view of the work ahead.

Manage members, savings and loans in one workspace, with the records your team needs to follow through.

  • Keep member records together.
  • Configure savings and loan products.
  • Keep lending decisions with your team.
Explore the Back Office
Savings-product setup with account terms and a member preview.

For your members

Your SACCO, close at hand.

Give members a familiar place to check their accounts, follow loans and return to their records.

  • See savings and account activity.
  • Follow loans and repayments.
  • View statements from a phone.
Explore the Member App
Kenya Member App demo accounts showing savings and share balances in KES (KSh).

Getting started

Bring your SACCO together.

  • Introduce your SACCO

    Start an application with your institution’s details.

  • Complete your review

    Provide the documents needed before activation.

  • Welcome your members

    Invite members and review their identity documents.

Keep the everyday work together.

Member records, savings and loans belong together. Give your team a shared workspace and your members a clearer view of their accounts.

  • Members and onboarding

    Welcome applicants with a guided process and keep their membership details in one place.

  • Savings, shares and deposits

    Keep savings and share records organised around the products your SACCO offers.

  • Loans and guarantors

    Bring applications, guarantors, decisions and repayment schedules into the same workspace.

  • Ledger, reconciliation and reports

    Review transactions and prepare reports for your team, committee and auditors.

Before you get started

A few practical answers for your SACCO team.

What does SenteRail bring together?

Member records, savings, shares, loans and reports. Your team works in the Back Office, while members use the Member App to view their SACCO accounts. Your SACCO keeps responsibility for membership and lending decisions.

Can we move from spreadsheets or another system?

Start with a migration conversation. We review your records and workflows together, then agree what can move, how your team will check it, and the scope, timing and cost of the work.

Does the software collect M-Pesa payments automatically?

Automatic collection is not included as a standard capability of the offer described here. Your team can record payment receipts. We confirm the payment channels and workflows available to your SACCO before activation.

How do we get started?

Register your SACCO to start an application. Our team reviews it before activation. If you would like a walkthrough first, book a demo to discuss your team’s needs.

Explore what comes next

Let’s get your SACCO started.

Start an application or talk through what your team needs.

Applications are reviewed before activation.

Register your SACCOBook a demo