This product is aimed at addressing the increasing defaulter’s due to cash flow challenges that is affecting the Sacco members. The product allows a member to merge several loan products into one product with a possibility of getting extra cash to finance their needs. A commission of 10% will be charged on the extra cash a member receives after restructuring. The loan balances held by the borrower prior to the approval shall not be charged Bridging commission but will form part of the entitlement. There will be two categories of Members i.e. those who are consolidating without additional cash and those interested in financing their products due to improvement in their cash flows as a result of the increased term of the loan repayment.