Who it may suit
Eligible sole traders, micro-enterprises and registered businesses accepted by the institution.
Product catalogue
Business and sole-trader account
Keep business receipts, expenses and savings records organised using an account suited to your business’s legal form.
This category does not confirm a current offer from this institution.
View contact optionsUnderstand this category
Keep business money distinct from household spending and build a clearer record of receipts and expenses. Your D-SACCO will explain which account suits your legal status, whether you operate as a sole trader or through a registered business. Check charges, permitted transactions and the documents needed to open it. Merchant collections, salary payments and other business services depend on the local offer; an account does not guarantee a future loan.
Practical uses
Shops, market stalls, tailoring, repairs, food services, small production and professional services; examples are not an exhaustive eligibility list.
How to proceed
Choose the right ownership type; complete the local account process; use approved collection/payment routes; keep supporting records; review statements.
What to prepare
Owner/representative identity; business activity information; registration/tax records where required; signatory and beneficial-ownership evidence for legal entities.
Questions and answers
Must every informal trader already be a company?
Do not assume so. The selected institution must explain the eligible account route and actual evidence required.
Will this guarantee a business loan?
No. Any application still requires the lender’s separate assessment and decision.
Check this category with the institution
Ask whether this institution currently offers this category and request its own terms before applying or paying.