Financing · Leasing
Equipment and Vehicle Leasing
SACCO inanunua kifaa na kukukodisha kwa kodi iliyo wazi. Mwisho wa muda, kinaweza kuwa chako.
What you can lease
- Cold rooms and cold-storage units
- Freezers, chillers and display fridges
- Refrigerated vans, pick-ups and trucks
- Motorbikes for delivery
- Slaughter, cutting and processing equipment
- Solar power systems for cold storage
Rental payments
Your rent covers the use of the asset. It is worked out from the asset's cost, the lease period and the SACCO's disclosed profit, and is written in your lease before you sign.
Rent starts only when the asset is delivered to you — not when the SACCO buys it. Pay weekly or monthly using the verified instructions in your lease.
Ownership arrangements
- The SACCO owns the asset for the whole lease. For vehicles, the logbook is in the SACCO's name, or jointly registered.
- The asset is insured in the SACCO's name where cover is available. Any cost is shown in your lease.
- You may not sell, lend out or move the asset to another location without the SACCO's written agreement.
Maintenance responsibilities
| Responsibility | Who |
|---|---|
| Major repairs that keep the asset usable (structural, engine replacement) | MeatSoko SACCO, as owner |
| Daily care, cleaning, routine servicing | You |
| Damage from misuse or negligence | You |
| Loss or destruction through no fault of yours | MeatSoko SACCO — rent stops |
| Insurance on the asset | MeatSoko SACCO (cost disclosed in your rent) |
End-of-term options
- Own it: when all rent has been paid, the SACCO transfers ownership to you by gift or for a token price, as promised in a separate document signed at the start.
- Buy early: you may ask to buy the asset before the end, at a price agreed at that time.
- Return it: if your agreement allows, you may return the asset at the end of the term.
Eligibility
- Member for at least 3 months, with shares and savings up to date.
- A safe, suitable site for the asset — for example power supply for a cold room.
- A valid driving licence for vehicles and motorbikes.
- Evidence that the business can pay the rent.
- Guarantors who are members in good standing.
Application steps
Step 1: Choose the equipment
Get a quotation addressed to MeatSoko SACCO.Step 2: Apply
Submit your application, quotation, statements and guarantors.Step 3: Site check
We check where the asset will be installed or kept.Step 4: Approval
The committee decides and you receive the lease terms and rent schedule.Step 5: SACCO buys the asset
We pay the supplier and register the asset in the SACCO's name.Step 6: Delivery and rent
You sign for delivery, and rent begins.
Risks and disclosures
Before you choose Equipment Leasing
- If you stop paying rent, the SACCO can take back its asset. Rent already paid is not refunded, because it paid for your use of the asset.
- You are responsible for damage caused by misuse or neglect.
- Ownership only passes to you if all rent is paid as agreed.
- Rent and any changes to it are set out in your lease before you sign.
In Kiswahili
Kwa Kiswahili
Ukodishaji wa Vifaa
SACCO inanunua kifaa — kama chumba baridi, friji, pikipiki au gari — na kukukodisha. Unalipa kodi ya matumizi, si gharama ya pesa.
SACCO ndiye mmiliki na inabeba hatari za umiliki. Mwisho wa muda, ukiwa umelipa kodi yote, kifaa kinakuwa chako kama ilivyoahidiwa.