@Akowally its refreshing to see the green posting once again.
About credit I think if you are earning good money you should open an account with Equity,KCB or Family bank make a consistent deposit for at least 3 months and try to build a rapport with the manager of the branch it will be easy for you to get a loan from them (talking from experience)
When it comes to sacco the tricky part is they will want a collateral for security or you raise 10 guarantors for a sum which in most cases is 3times your savings.
There are other small financial institutions like faulu,realpeople ,smep who offer hustle free Loans but you will have to pay high interest rates.
Finally Chase bank in conjunction with enablis has a program that supports entrepreneurs howthis works you can either go directly to chase bank and a relationship officer will guide you thru or you can go thru Enablis which actually can offer you a loan guarantee of upto 50% if they see the potential of your business.
'......to the acknowledgment of the mystery of God, and of the Father, and of Christ; 3 In whom are hid all the treasures of wisdom and knowledge.' Colossians 2:2-3