Cash Loan
Your Chama Fund can unlock liquidity.
Build your position through consistent Chama contributions, then access cash financing when the applicable requirements are satisfied.
Cash Financing
Your Chama Fund can create room to act when it matters.
How it works
Your Chama Fund comes first.
Chama Network links disciplined contributions with access to financing. Your confirmed contributions establish your Chama Fund position.
When the applicable Chama requirements are satisfied, eligible members can request cash financing within their permitted borrowing capacity.
The process
A simple path to financing.
Contribute, build your Chama Fund, and apply when eligible.
Contribute
Make regular contributions through the available Chama payment channels.
Build your position
Confirmed contributions strengthen your Chama Fund position and determine the financing capacity available to you.
Apply when eligible
When the applicable conditions are met, submit your request within your permitted borrowing capacity.
Borrowing capacity
Your financing capacity grows with your Chama Fund.
Cash financing is linked to your own confirmed Chama Fund position. The applicable borrowing limit is calculated from that position and remains subject to the Chama's lending conditions.
The principle
Contribute consistently. Borrow within your capacity.
Your individual borrowing capacity is based on your confirmed Chama Fund, not the combined funds of other members.
Ready to check your position?
Your dashboard shows the Chama Fund and borrowing information available to you.