Our services

Six product families covering credit, savings and support — built for groups, individual entrepreneurs and salaried employees.

Group Loans

Solidarity lending for groups of 5–30 members who guarantee one another, secured by 20% collateral savings.

Apply for group loans

Loans from UGX 200,000 to UGX 4M per member
Interest rate: 1.5% flat per week on the loan amount
20% collateral savings of the loan amount required
Weekly repayment over 4 to 24 weeks
Free financial literacy training for every group
Group guarantee plus collateral savings replace physical security

Individual Loans

Working capital and asset finance for traders, farmers and small business owners ready to scale.

Apply for individual loans

Loans from UGX 500,000 to UGX 50M
Interest rate: 6% flat per month (secured — 20% cash collateral) or 8% flat per month (non-secured)
Flexible tenures of 1 to 6 months
Business assessment done at your premises
Top-ups available for good repayment history

Salary Loans

Fast personal credit for employed clients, recovered conveniently from your monthly salary.

Apply for salary loans

Interest rate: 8% flat per month on the loan amount
Disbursement within 24 hours of approval
Repayment up to 6 months
Check-off capped at 60% of your net pay
Signed standing order required for repayment
Emergency, school fees and medical cover

Savings & Fixed Deposits

Grow your money safely with target savings plans and competitive fixed deposit returns. Savings are designed for future borrowings and accrue interest at 5.5% p.a.

Apply for savings & fixed deposits

Target, group and business savings accounts
Attractive fixed deposit rates
Savings are for future borrowings
No monthly charges — your savings accrue interest at 5.5% p.a.
No withdrawal charges
Mobile money deposits and withdrawals
No hidden monthly charges

Advisory & Insurance

Practical business advisory, bookkeeping support and credit-life cover for peace of mind.

Apply for advisory & insurance

Business planning and record keeping clinics
Credit-life insurance on all loans
Money transfer and payment services
Financial literacy workshops