| Benchmarking | Vincent & Son Limited | SACCO | Comments |
| Interest rate | Based on inflation, depend on project | 17 % and above. | People over money |
| Loan duration | Up to 5 years | Up to 2 years | Depend on project |
| Transaction fee | None | 5% | You get the full amount , people over money. |
| Collateral requirements | None | Logbook, title deeds, bonds | Targeting people with limited assets for maximum impact |