Housing Loans

This product is designed to improve access to safe, affordable and decent housing for low and middle income individuals and families. The specific purpose for these loans include:

• • Home construction: Financing the construction of new homes for clients who lack adequate shelter. This includes purchasing building materials, covering construction labor costs.

• • Home improvement and renovation: Providing funds to repair or upgrade existing homes, such as fixing roofs, installing plumbing, adding rooms, or making homes more structurally sound.

• • Land acquisition: This is a critical component for housing finance. By assisting low-income families in purchasing stable and permanent place to live hence changing livelihoods.

• • Green housing: Encouraging the adoption of environmentally sustainable housing practices by financing energy efficient improvements such as solar panels, insulation and water saving technologies. Apply Now

Features and Requirements

• • Minimum Ugx 1,000,000 and Maximum Ugx 50,000,000 with flexible repayment of up to 24 months.

• • Collateral e.g. motor vehicle, incase of land acquisition, the completely purchased land becomes collateral.

• • Easy for the client to own land.

• • Quotation from the vendor showing the total outstanding balance.

• • There must be sales agreements and eyewitnesses for both parties

• • At least one guarantor/witness with an original National ID

• • One passport-size photograph

• • Bank statement for at least 6 months / mobile money for at least 3 months

• • Current Account with cheque leaves.

Agricultural Loans

The product’s aim is to support agricultural activities of small-scale farmers, rural entrepreneurs and agribusinesses who may lack access to traditional banking services. These loans play a crucial role in enhancing food security, promoting sustainable farming practices by funding purchase of high quality seeds, fertilizers etc. Apply Now

• • Loan amounts tailored to your agricultural needs

• • Competitive interest rates

• • Flexible repayment terms aligned with harvest cycles

• • Financing for farm inputs, equipment, irrigation, and expansion

Features and Requirements

• • Minimum Ugx 300,000 and Maximum Ugx 50,000,000 with flexible repayment of up to 24 months.

• • Valid National ID (for individuals) or Certificate of Registration (for businesses)

• • Business plan or farming project proposal

• • Proof of land ownership, tenancy, or operational farming agreement

• • Recent bank or mobile money statements (last 6 months)

• • A guarantor

• Collateral (for high-value loans) – land title, machinery, or other acceptable security

Business Loan

The goal of this product is to provide quick financial services to small-income earners, individual entrepreneurs, and companies that are engaging in micro-businesses and SMEs in order to boost and grow their businesses.  Apply Now   

Features and Requirements

• • Minimum loan amount Ugx 300,000 and maximum Ugx 50,000,000 with flexible repayment from 1 month to 12 months.

• • Legal business and collateral.

• • Eligible for all business people.

• • Original ID/Director’s ids for the Company and 1 size passport photo.

• • Bank statements for at least 6 months and or mobile money statements for at least 3 months.

• • Short-term advances for bid securities, guarantees, invoice financing, etc.

• • Resolutions to borrow / consent from directors

• • Individual current account /Companies with cheque leaves.

Asset Finance

This is a secured loan given to an individual who purchases an asset such as cars, motor bikes accounts receivables, business inventory, and marketable securities.

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Features and Requirements

• • Funding up to 40% of the purchase value

• • Minimum Ugx 3,000,000 and Maximum Ugx 50,000,000 with flexible repayment of up to 24 months.

• • The completely purchased asset becomes collateral. (no motor vehicle parking required)

• • Easy for the client to own a property e.g., Motor vehicle, motor bike.

• • Quotation from the vendor showing the total outstanding balance.

• • There must be sales agreements and eyewitnesses for both parties

• • At least one guarantor/witness with an original National ID

• • One passport-size photograph

• • Bank statement for at least 6 months / mobile money for at least 3 months

• • Current Account with cheque leaves.

Consumer Loans

This is an unsecured loan provided to salaried employees who have been in employment for at least 6 months and above. Apply Now

Features and Requirements

• • A salary advance as your waiting for your monthly salary.

• • Minimum Ugx 1,000,000 and Maximum Ugx 10,000,000 with a flexible repayment period of up to 3-4 months.

• • Very fast and quick loan process

• •  One guarantor who is a colleague from the same Institution.

• •  Original Staff ID and National ID for both a client and the guarantor.

• • Appointment / Contract letter

• • One can be financed up to 50% of the net salary for first cycle.

• • Confirmation letter where applicable

• • 3 most recent pay slips and Bank statements for 6 months.

• • One passport-size photograph