SaccoFlow is a cloud SaaS platform purpose-built for SACCOs, table banks, and savings cooperatives across Uganda and East Africa. It replaces WhatsApp groups and Excel spreadsheets with a transparent, auditable system for managing members, savings accounts, loans, and financial reporting — from member registration through full loan lifecycle to audit-ready reports that build member trust.
Key Features
- Member registry with unique IDs, national ID enforcement and transaction history
- Individual savings accounts with deposits, withdrawals and real-time balances
- Full loan lifecycle: application, approval workflow, disbursement and repayment tracking
- Loan products with customisable interest rates, terms and repayment schedules
- Automatic overdue loan flagging and arrears reporting
- Cash rounds (ROSCA/merry-go-round) management with cycle tracking and payout scheduling
- Double-entry accounting with general ledger, trial balance and P&L statements
- Member statements, loan schedules and audit-ready reports in seconds
- Data export to PDF and Excel for AGM presentations and regulator compliance
- Granular role-based access control — loan officer, treasurer, manager, accountant permissions
- Automated interest posting and journal entry creation for every transaction
- Complete audit trail — who did what, when, and why for every action
- 30-day free trial with full Enterprise access — no credit card required
- Starter, Growth and Enterprise plans in Uganda Shillings with transparent pricing
- Multi-branch support for larger cooperatives and federation structures
- In-app messaging and member notifications for balance updates and loan alerts