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Home / Sacco partnerships
For partners

Your members deserve better financing.

We partner with boda-boda and tuk-tuk saccos across Kenya to offer member-exclusive financing terms — and we pay a referral fee to the sacco on every loan that performs.

Wanachama wako wanastahili masharti bora.

Why saccos work with Mobifarm

Your members trust you more than any lender in the market. That trust is worth something — and we pay for it, fairly. A Mobifarm sacco partnership gives your members access to asset financing on better terms than they'd get walking into any dealer alone, while generating ongoing revenue for the sacco.

What members get

What the sacco gets

BenefitHow it works
Referral fee per funded loanPaid to the sacco account at disbursement.
Performance bonusAdditional payment when a cohort of member loans keeps performing at 90 days.
Member welfare contributionA portion of our revenue from member loans goes into a fund the sacco can use for welfare — bereavement, medical, rider safety equipment.
Co-branded eventsWe host rider financial literacy events at the sacco, funded by us — your members learn, your sacco is seen to care.
Group data and insightsAnonymised monthly reports on member borrowing patterns, default rates, and asset lifecycle — useful intelligence for sacco leadership.
A note on the ethics We will never incentivise a sacco to push financing on a member who shouldn't take it. The referral fee is paid only on loans that disburse and stay performing. The interests of the sacco and the member are aligned by design — not by accident.

Ready to explore this with your sacco board? We'll meet in person, anywhere in Kenya. No pressure, no obligation.

Arrange a meeting

How partnership works

  1. Your sacco leadership contacts us — via the form below or on WhatsApp.
  2. We meet in person: sacco officials, Mobifarm partnerships officer, and (ideally) a sample of member riders.
  3. We agree terms: referral fee rate, member eligibility criteria, co-branding, reporting cadence.
  4. We sign a partnership agreement and announce it jointly to your members — at the AGM, on WhatsApp, or at a dedicated launch event.
  5. Member riders start applying. The sacco earns referral fees from the first disbursement.

Register your sacco's interest

Leave your details and our partnerships team will be in touch within two business days to start the conversation.

Questions saccos ask

Does the sacco carry any credit risk?

No. The sacco is never a guarantor of member loans. The credit risk sits entirely with Mobifarm. The sacco's role is to introduce and endorse — not to underwrite.

What member data do you want from us?

None that you don't want to share. We handle member enrolment directly with each applying rider. The sacco confirms membership status at the point of application, nothing more.

Can we end the partnership if it doesn't work?

Yes. Partnership agreements include a 60-day notice period for either side. Existing member loans continue to perform normally; new originations through the sacco simply stop.

Want to talk before signing anything?

Message our partnerships team on WhatsApp. We're happy to meet your sacco leadership in person anywhere in Kenya.

Message partnerships team