Built for Uganda

SACCO and MFI Management Software Built for Africa

Sanaa Finance is the leading SACCO software Uganda trusts for loan tracking, member management, and regulatory reporting. Our cloud-based MFI loan management platform replaces spreadsheets with a cooperative management system East Africa can scale — from Kampala to Kinshasa. Built for SACCOs, microfinance institutions, money lenders, investment clubs, and schools that need clear repayment schedules, automated alerts, and Bank of Uganda-ready compliance.

No monthly fees
Mobile Money integrated
Same-day settlements
Bank of Uganda compliant

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Today's Balance

UGX 24,580,000

+12.5%

MTN MoMo Collection

Just now

+850,000

Airtel Money Payout

2 mins ago

-125,000

Soko24 Sale

5 mins ago

+1,250,000

Loan tracking

Applications, approvals, disbursements, and arrears in one workflow

Member records

Profiles, KYC, savings, shares, and account history

Repayments

Schedules, reminders, penalties, and reconciliation

Reporting

Portfolio visibility, exports, and compliance-ready records

Your money, on your time

Manage all your money in one place. Instantly access and spend your sales revenue. Automate everyday financial chores.

Access Money Instantly

Keep member contributions, collections, and institution cash flow visible in one place so your team can act on current balances without waiting for manual reconciliation.

Explore Business Accounts

Budget Automatically

Plan ahead for future expenses. Automatically set aside part of your sales for URA taxes, NSSF contributions, business expenses, and savings goals.

Explore Savings Tools

Secure Business Loans

Weather the ups and downs of your business. Get custom loan offers based on your Sanaa Finance transaction history. No long forms, no collateral required for qualified businesses.

Explore Sanaa Loans

Sanaa Cards & Loyalty

Launch custom loyalty programs and reward systems. Issue physical and virtual cards that drive customer loyalty, automate rewards, and grow your client base.

Explore Cards & Loyalty

Pay Bills & Suppliers

Get ahead of your bills. Use your sales to automatically pay suppliers, UMEME, NWSC, and other utilities on time, every time. Batch payments to multiple vendors.

Explore Bill Pay

SACCO & Group Banking

Powerful tools for SACCOs, investment clubs, and chamas. Member management, share tracking, loan disbursement, and automated dividend calculations.

Explore Group Solutions

ERP Capabilities

Everything you need to run a financial institution

From loan management to regulatory compliance — Sanaa Finance ERP covers every aspect of your financial operations.

Loan Management

• Digital applications with approval workflows
• Reducing balance, flat & compound interest
• Automated arrears & penalty calculation
• Guarantor & collateral tracking
• Loan restructuring & top-ups

Member & Customer Management

• Complete profiles with KYC documents
• Credit scoring & payment behaviour
• Member self-service portal
• Bulk import from Excel/CSV
• Group lending & solidarity groups

Accounting & Financial

• Double-entry bookkeeping
• Balance sheet, P&L, cash flow
• Bank reconciliation
• Multi-currency support (UGX, USD, EUR)
• URA tax compliance ready

Reports & Analytics

• 50+ built-in report types
• Portfolio at risk (PAR) analysis
• Branch performance comparison
• Export to PDF, Excel, CSV
• BOU-compliant regulatory reports

Savings & Deposits

• Multiple savings products
• Fixed deposits with auto-renewal
• Shares management & dividends
• Mobile money deposits (MTN, Airtel)
• Automated interest calculations

Security & Integrations

• Role-based access & 2FA
• Full audit trails & data encryption
• MTN MoMo & Airtel Money APIs
• PayPal, Stripe & Sanaa Cards
• Daily automatic backups & 99.9% uptime

Banking for every Ugandan business

Purpose-built financial tools for the unique needs of Ugandan enterprises.

SMEs & Retailers

Accept payments via Mobile Money, manage inventory financing, and get working capital loans to grow your business.

POS integration
Supplier payments
URA tax remittance

SACCOs & Credit Unions

Complete member management, savings accounts, loan lifecycle, and URBRA compliance reporting tools.

Member share tracking
Loan origination & recovery
URBRA reports

Investment Clubs & Chamas

Pool funds, track contributions, vote on investments, and distribute returns with full transparency.

Contribution tracking
Investment voting
Dividend distribution

Schools & Institutions

Collect school fees via Mobile Money, manage staff payroll, and track expenses with parent-friendly receipts.

Fee collection portal
Bulk payroll
SMS receipts to parents

Solo Entrepreneurs

Separate business and personal finances, create professional invoices, and track income and expenses effortlessly.

Free business account
Invoice generator
Expense tracking

Integrated

Soko24 Marketplace Sellers

Connected to Soko24 marketplace data so sellers and member businesses can reconcile sales activity, financing needs, and account history in one workflow.

Instant payouts
Stock financing
Sales analytics

Trusted by Ugandan businesses

See how businesses across Uganda are growing with Sanaa Finance.

"Sanaa Finance has transformed how we manage our SACCO. Member contributions via Mobile Money are automatic, and our loan recovery improved by 40%. The URBRA reports save us weeks of work."

Joseph Nakamya

Manager, Kampala Teachers SACCO

"As a Soko24 seller, instant payouts mean I can restock faster. The working capital loan helped me expand from 50 to 500 products. My business has grown 3x in just 6 months."

Sarah Auma

Owner, Auma Electronics - Soko24

"School fee collection used to be a nightmare. Now parents pay via MTN MoMo and Airtel Money directly. Automatic SMS receipts, no queues, no cash handling. Parents love it too!"

Peter Okello

Bursar, St. Mary's Secondary School, Jinja

Simple, transparent pricing

No hidden fees. No long-term contracts. Start with our Starter package and scale as your business grows. All plans include mobile money integration.

Starter

UGX 150K

/month

Setup: UGX 300,000

Up to 100 customers
Basic loan management
100 SMS/month
10 report types

Professional

UGX 200K

/month

Setup: UGX 500,000

Up to 500 customers
Savings & deposits module
300 SMS/month
25+ report types

Enterprise-grade financial management

Purpose-built ERP systems for SACCOs, microfinance institutions, money lenders, and financial cooperatives in Uganda.

Multi-Branch

Sanaa SACCO Management System

Complete multi-branch loan & savings solution for SACCOs, MFIs, credit unions, and village savings groups. Manage members, loans, savings, and compliance from one platform.

Loan management & member portal
MTN MoMo & Airtel Money integration
50+ reports & BOU compliance

View plans from UGX 250,000/mo

All-in-One

Sanaa Finance ERP System

Complete financial management solution for money lenders, SACCOs, and microfinance institutions. Loans, accounting, payments, and analytics in one powerful platform.

Full accounting & financial statements
Loan origination & repayment tracking
Mobile money & payment gateway integration

View plans from UGX 150,000/mo

Instant Notifications

SMS & WhatsApp alerts that keep you in control

Never miss a transaction. Get instant SMS and WhatsApp notifications for every deposit, withdrawal, loan repayment, and account activity — delivered straight to your phone.

Enable Alerts for Your Business See Full ERP Features

SMS Alerts

Instant SMS on deposits, withdrawals, loan approvals, repayment reminders & overdue alerts.

WhatsApp Notifications

Rich WhatsApp messages with transaction details, statements & customer communication.

Auto Repayment Reminders

Automated 7-day, 3-day & 1-day reminders before loan due dates. Overdue alerts included.

4 SMS Gateways

Nexmo, Twilio, Africa's Talking & Trust SMS. Choose the best fit for your business.

Ready to take control of your finances?

Join thousands of Ugandan businesses already using Sanaa Finance. Get started in minutes.

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Bank of Uganda Regulated

PCI-DSS Compliant

Local Support