Universal Traders Sacco: Empowering Kenyan Businesses Since 1991
Our Heritage
Originally established as Masaku Traders Sacco Society in 1991, Universal Traders Sacco was created to address the financial needs of local entrepreneurs. Licensed by SASRA in 2011 as a deposit-taking institution, we’ve grown into one of Kenya’s largest Saccos with an asset base of KSh 1.5 billion.
Our foundation stems from visionary business leaders who recognized the power of pooling resources to provide affordable credit to small and medium enterprises. Today, we serve diverse clients including:
- Farmers and agricultural producers
- Micro-entrepreneurs and traders
- Civil servants
- Self-help groups and associations
Comprehensive Financial Solutions
Loan Products
We offer tailored financing options with competitive terms:
- Normal Loan – Standard business financing
- Upesi Emergency Loan – Quick access funds
- Agricultural Loans (Matunda, Livestock, Dairy Farming)
- Asset Financing – Equipment and property loans
- Biashara Plus Loan – Enhanced group lending
- Salary Advances – For employees and employers
FOSA Services
Our front-office offerings include:
- Current Accounts – For daily transactions
- Specialized Savings (Mwethya, Akiba, Toto accounts)
- Corporate Banking Solutions
- Fixed Deposit Accounts – Higher yield options
- Salary Processing – Efficient payroll management
- Produce Payment Services – For agricultural clients
Branch Network
Head Office
📍 Location: Traders House, Syokimau Road, Machakos Town
📞 Contacts: 0738 110 775 | 0757 568 479
📧 Email: [email protected]
Regional Branches
- Kathiani Branch – Kathiani Market (0717 687 112)
- Kitui Branch – Jee Plaza, Kitui Town (0716 064 142)
- Wote Branch – Wote Town (0717 729 349)
- Tala Branch – Homeland Plaza, Kangundo Road (0716 127 090)
- Embu Branch – Jasho Building, Embu Town (0721 423 687)
- Mlolongo Branch – Nzag Plaza, Near Anthena Hotel (0757 620 303)
Why Choose Universal Traders Sacco?
- 30+ years of financial expertise
- Nationwide presence across multiple counties
- Diverse loan products for all business needs
- Innovative savings solutions for every life stage
- Regulated by SASRA for member security
READ MORE: Southern Star Sacco Membership: Eligibility, & Benefits
