Table Banking

Easy, Reliable, and Community-Driven Lending

Table Banking

Table banking is a unique financial system where members contribute money into a common fund, which is then used to provide loans and investment capital for members. At Bancario Group, we make table banking easy and accessible to help members grow financially.

Traditional banking systems often exclude low-income earners and small business owners due to strict requirements and high-interest loans. Table banking provides a community-based alternative that ensures immediate access to financial assistance.

  • Why Table Banking is Important

    Immediate Financial Support Without Bureaucracy
    • Fast and Flexible Loans – No long approval processes; members can access funds quickly.
    • Zero Collateral Required – Loans are guaranteed by members, not by assets.
    • Low-Interest Rates – Unlike banks, table banking keeps borrowing costs low.
    • Encourages Business Growth – Many small businesses rely on table banking for working capital and expansion.
    Interested in Joining? Contact us
  • How it Works

    Be part of us:
    • Regular Contributions – Members deposit money into a group fund.
    • Loan Disbursement – Loans are issued based on contributions and member agreements.
    • Business and Personal Growth – Members use funds to invest, grow businesses, or meet urgent needs.
    • Repayment & Recycling – As loans are repaid, the money is recycled and loaned out again.
    Interested in Joining? Contact us
  • Table Banking Loan Terms

    Borrowing against your Chama contributions:
    • Eligibility: Must be a Full Member with active Chama contributions.
    • Loan Limit: Up to 70% of your total Chama contributions.
    • Security: The balance held in your Chama account — no extra collateral or guarantor required.
    • Interest Rate: 36% p.a. (equivalent to 3% per month on a reducing balance).
    • Loan Range: Min Ksh 10 · Max Ksh 1,000,000.
    • Late Payment: A 10% penalty applies automatically at 1:30 a.m. the day after a missed due date, with recovery from your savings if unpaid within two days.
    Interested in Joining? Contact us