Your savings cooperative — built by riders, for riders. Save monthly, build your credit record, and access loans up to 3× your savings. Financial freedom starts here.
Who we are
CBD United Boda Transport Co-Operative Society Limited — known as CBD SACCO — is the financial arm of UBTA. We exist to bring real financial inclusion to boda boda and taxi operators across Nairobi and beyond.
Too many riders have been locked out of formal financial services. No bank account, no credit history, no loan access. CBD SACCO changes that — using the strength of collective savings to unlock credit for every active member.
Our mission: provide reliable, safe, and tech-driven transport solutions while becoming Kenya's most trusted SACCO, enhancing member welfare at every step.
Simple. Clear. Powerful.
Three steps stand between you and financial freedom. No complicated forms. No bank accounts required.
Contribute Ksh 1,200 every month — Ksh 1,000 goes into your savings and Ksh 200 is the management fee. The more you save, the more you can borrow.
Your consistent contributions build an active savings record. After 3 months of uninterrupted saving, your credit record qualifies you for a loan.
Apply for up to 3× your total savings. For example, Ksh 4,000 saved = up to Ksh 12,000 loan. Repay and grow your limit over time.
The more consistently you save, the larger your loan eligibility grows. Discipline today — financial freedom tomorrow.
Member benefits
Ksh 1,000/month minimum savings, growing your personal fund month by month.
Borrow up to 3× your savings after 3 months. No bank account needed.
Legal and welfare support for all active SACCO members.
Pooled savings create a larger fund — everyone benefits from collective growth.
Official member items
All payable via M-Pesa Paybill. Account Name format: specify reason for payment.
Official UBTA QR code for your motorbike — verifiable identification.
Your official UBTA member card with your name and member number.
UBTA branded hi-vis reflector jacket. Available in 3 sizes — Ksh 500, 700, 1,000.
Pay via M-Pesa
Account No: use the reason for payment (e.g. "Registration", "Monthly", "QRCode")
Application requirements
You must first register as a UBTA member (Ksh 1,000 registration fee).
Clear scan or photo of your national ID — front and back.
Download from itax.kra.go.ke if you don't already have it.
Recent clear photo against a plain background.
Official agents & locations
Office contact
0714 314 342Call or WhatsApp Mon to Sat, 8am–6pm
Common questions
No. CBD SACCO is exclusively for registered UBTA members. You must complete your UBTA membership registration first.
Missed payments affect your active status and loan eligibility. Contact the office immediately at 0714 314 342 if you're unable to make a payment.
Loan applications are reviewed by the committee. Processing typically takes a few business days once all requirements are met.
Savings withdrawal policies are governed by the SACCO rules. Speak to an agent at your nearest location for specific withdrawal terms.
The Ksh 200 monthly management fee covers SACCO operations, administration, and member services — keeping the cooperative running for everyone.
Join hundreds of riders already saving and growing with CBD SACCO. Discipline today — financial freedom tomorrow.
Stronger Together · Safer Together · Growing Together