How to Use Biashara Sacco Paybill Number 400300

Biashara Sacco Society Ltd was registered on 31st December 1990 under the Co-operative Societies Act, Cap 490. It was founded by members of the Kenya National Chamber of Commerce and Industry (KNCCI), Nyeri Branch, with a mission to offer accessible financial solutions. By 2014, Biashara Sacco had grown to over 42,000 members, with an asset base of Ksh 623 million and annual profits exceeding Ksh 35 million.

How to Use Biashara Sacco Paybill Number 400300

To make a deposit or loan repayment via M-PESA:

Go to M-PESA Menu
Select Lipa na M-PESA
Tap Pay Bill
Enter Business Number: 400300
Enter your ID, Member Number, or Account Number
Enter the Amount to pay
Enter your M-PESA PIN
Confirm and press OK
You’ll receive a confirmation SMS from Safaricom

Biashara Sacco Loan Products

Biashara Sacco offers a wide variety of loans tailored to members’ needs:

1. Normal Loan

For full members only
3x your savings
Repayment: up to 36 months
Requires guarantors or collateral
Save for at least 6 months

2. Development Loan

For associate members
Requires saving for 6 months
Member must raise 20% deposit
Repayment: up to 36 months

3. Sisi Kwa Sisi Loan

Available after 3 months of account operation
Instant processing within a day
Max loan: Ksh 200,000
Interest: 5% per month
Repayment: up to 12 months

4. Women Enterprise Loan

Requires 3-month operation of Women Empowerment Account
Loan: Ksh 5,000 to 100,000
Repayment: 3 to 12 months
Interest: 8% per annum (reducing balance)

5. Special Loan

For asset acquisition (e.g., land, shares)
Shares bought act as security

6. Beba Loan

For members with 6-month Beba Account
3x your savings
Repayment: 6 to 36 months

7. Jipange Loan

Top-up loan for members with good repayment history
Repayment: 1 to 12 months

8. Emergency Loan

For medical, legal, or urgent needs
Processed promptly

Repay all loans remotely via Biashara Sacco Paybill Number 400300.

Biashara Sacco Savings Products

1. Savings Account

Opening balance: Ksh 500
No maintenance fee
Access to all FOSA Loans
ATM Sacco Link eligible
Annual interest benefit

2. Wakulima Account

Tailored for farmers
Ksh 500 opening
Wakulima Loan with 3-month grace period
ATM link enabled

3. Beba Account

6-month no-withdrawal policy
Save for asset financing
3x savings loan eligibility
Requires security for cash withdrawals

4. Smart Account

Monthly savings: min Ksh 3,000 for 1 year
For high-value asset financing
Fully secure for withdrawals

5. Besty Account

Designed for children (operated by guardians)
No withdrawals (unless urgent)
Offers free banker’s cheques for school fees
Can guarantee loans

6. Safari Club

Registration: Ksh 500
Save 6 months to qualify for 5x savings loan
Loan interest: 1% p.m.
Group travel arrangements included

7. Business Account

No minimum balance
Access to all FOSA Loans
In-house cheque book provided
ATM Sacco Link supported

8. Women Enterprise Fund Account

Opening: Ksh 500
Loan range: Ksh 5,000 to 100,000
Interest: 8% p.a. on reducing balance
No maintenance fee
ATM Sacco Link eligible

Biashara Sacco Branches & Contacts

For any inquiries about Biashara Sacco Paybill Number 400300, loan products, or account setup, contact:

Head Office – Nyeri
P.O. Box 1895, 10100 Nyeri
Kimathi Street (Near Oman Allu)
📧 Email: [email protected]
📞 Tel: 061 2034206 / 0722 557188
📠 Fax: 061 2034207

Branches

Rware Branch – Rware Building, Opp. Nyeri National Library
📧 [email protected]
Karatina Branch – Railway Road, Opp. AFC Offices
📧 [email protected]
Othaya Branch – Centre Point Plaza, Opp. Main Stage
📧 [email protected]
Gakindu Branch – Opp. Gakindu Market
📧 [email protected]
Kiawara Branch – Opp. Kiawara Market
📧 [email protected]
Nanyuki Branch – Elshaddai Building, Behind Batian Guest Hotel
📧 [email protected]
Embu Branch – Tujenge Building, Opp. KANU Offices
📧 [email protected]