The operating system
for member finance.
Sanaa Finance powers member savings and credit. Soko 24 gives those members a marketplace. Sanaa Score helps assess trust and repayment behavior across lending, savings, shares, and BNPL.
Not just loan software.
Sanaa Finance is the operating system for SACCOs, member finance, lending, savings, shares, and Soko 24 BNPL. It connects daily branch operations with member self-service, marketplace checkout, and trust scoring.
Everything your SACCO needs,
in one operating system.
A complete member-finance suite for savings, credit, shares, branch operations, marketplace BNPL, and trust assessment.
Savings Accounts
Manage member savings with flexible account types, automated interest, and real-time balance tracking.
Loan Management
Automate applications, approvals, repayment schedules, and penalty calculations with zero paperwork.
Member Mobile Banking
Member app for deposits, withdrawals, loan applications, shares, savings goals, and statements.
Teller, Branches & Reports
Daily teller reports, branch workflows, reconciliation, and financial dashboards for management teams.
Soko 24 BNPL
Connect member finance to marketplace purchases, checkout, repayment, and SACCO-backed BNPL workflows.
Sanaa Score & Agents
Assess trust and repayment behavior while managing agent-led onboarding, collections, and field operations.
Up and running
in three steps.
No complex installation or dedicated IT team required. We handle the infrastructure so you focus on your members.
Register & Verify
Create your SACCO account, submit your organization details, and complete verification in under 24 hours.
Configure Your Setup
Set loan products, savings types, interest rates, and user roles through our intuitive admin dashboard.
Onboard Your Members
Import existing members or register new ones via the mobile app. Start accepting deposits immediately.
Who Sanaa Finance is for.
Built for member-owned and community-led finance organizations that need more than loan tracking.
Built for Uganda and East Africa.
Sanaa Finance understands UGX operations, mobile money realities, field agents, teller workflows, and branch-led finance.
UGX-native pricing, balances, reports, and member transactions
Mobile money and Pesapal payment workflows for collections and checkout
Agent-led onboarding, field collections, and local branch operations
Teller workflows for deposits, withdrawals, reconciliation, and daily reports
Offline and low-connectivity realities for staff working outside stable office networks
Designed for SACCOs and MFIs expanding across Uganda and East Africa
Built for trust,
control, and continuity.
Designed to protect member data, financial workflows, and staff access across SACCO and MFI operations.
Encryption
HTTPS/TLS protects traffic, while sensitive credentials and production secrets are handled through secure configuration.
Audit Logs
Financial and administrative actions can be reviewed through audit trails for oversight, exception handling, and governance.
Role-Based Access
Role and permission controls keep tellers, agents, supervisors, and administrators inside their approved responsibilities.
Backups & Hosting
Backup and storage controls support recovery planning and day-to-day operational continuity. Secure hosted deployment practices support environment separation, cache controls, and restricted production access.
Access Controls
Authenticated sessions, sensitive-action checks, and MFA-ready workflows reduce unauthorized financial activity.
Trusted by cooperatives
across Uganda.
"Sanaa Finance transformed how we manage our SACCO. Loan processing that used to take days now takes minutes. Our members love the mobile app."
"The teller daily reports and reconciliation features made our accounting team so much more efficient. We closed our annual audit in record time."
"We expanded from 3 to 12 branches in 6 months because Sanaa gave us the infrastructure to scale. The agent network module alone paid for itself."
Transparent SaaS pricing for SACCO operations.
Each plan can be adjusted by the admin as pricing, branches, modules, and support packages change.
- Loan & repayment management
- Member savings accounts
- Teller daily reports
- Mobile app for members
- SMS notifications
- Everything in Starter
- Multiple branches up to 3
- Agent network module
- Shares management
- Advanced analytics
- Sanaa Score trust assessment
- Pesapal payments
- Full API access
- Everything in Growth
- Unlimited branches
- Full API access
- Soko 24 BNPL workflows
- White-label option
- Dedicated account manager
- Custom integrations
- Priority support
All plans include setup guidance, staff onboarding, and support for SACCO workflows. Custom pricing is available for larger deployments.
Need a custom plan? Talk to us →
Ready to modernize
your SACCO?
Join hundreds of cooperatives already running on Sanaa Finance. Setup takes less than 24 hours.