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Featured Loans Products

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

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Overview
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Min Loan Amount: UGX 50,000
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Max Loan Amount: UGX 50,000,000
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Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Business Loan

This product is extended to entrepreneurs /individuals with proven cash flows and security/ collateral who wish to expand/restock their businesses.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 200,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

School Fees Loan

The School Fees loan is intended solely for purposes of paying the school fees and requirements of the clients’ children and/or dependents.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 5,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Emergency Loan

Extended to individuals with proven cash flows and collateral BUT with critical proven needs that need urgent financing.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 10,000,000
}
Loan Duration/Term: 1-4 Months

Interest Rate: 4% pm reducing balance

Details

Humura Loan

Members who have lost close relatives can request loan amounts not exceeding Ugx. 2,000,000 for one-month interest free.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 2,000,000
}
Loan Duration/Term: 1 Month

Interest Rate: 0% pm

Details

Institutional Loan

Extended to institutions such as schools, Churches and mosques to meet needs such as land expansion , renovations or in construction of new buildings

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 100,000,000
}
Loan Duration/Term: 1-36 Months

Interest Rate: 2% pm reducing balance

Details

Housing(Enju Nungi) Loan

Extended to improve the social welfare of members through the provision of funds to construct durable, affordable and decent home steads.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 100,000,000
}
Loan Duration/Term: 1-36 Months

Interest Rate: 1.5% pm reducing balance

Details

Inventory (Musharuro) Loan

The SACCO purchases and stores members’ produce at fair prices during harvest when prices are low for later resale and after proceeds shared.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 30,000,000
}
Loan Duration/Term: 4 Months

Interest Rate: 2% pm reducing balance

Details

Bull Fattening Loan

Extended to farmers to purchase and feed bulls for a targeted fattening period. The aim is to improve the animals’ weight and market value before sale.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 6 Months

Interest Rate: 2% pm reducing balance

Details

WASH Loan

Extended to Household and Institutions to improve on water, sanitation and hygiene through construction of toilets, kitchen, water tanks, and water extension.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 10,000,000
}
Loan Duration/Term: 18 Months

Interest Rate: 1.8% pm reducing balance

Details

Boda Boda Loan

Extends affordable financing to boda boda and tricycle (Tuku Tuku) riders to acquire or expand their transport businesses.

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Overview
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Min Loan Amount: UGX 3,000,000
>
Max Loan Amount: UGX 12,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Asset Acquisition Loan

Extended to members to acquire income-generating assets like land, buildings, equipment, taxis, trucks, and others

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Overview
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Min Loan Amount: UGX 3,000,000
>
Max Loan Amount: UGX 200,000,000
}
Loan Duration/Term: 1-36 Months

Interest Rate: 2% pm reducing balance

Details

Home Improvement Loan

Provides financing to clients with residential homes for the purchase of household items, renovations, repairs, and general home improvements.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 30,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Environmental Loan

Extended to members to preserve the environment and address Environmental Social and Governance requirements (ESG) requirements.

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Overview
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Min Loan Amount: UGX 100,000
>
Max Loan Amount: UGX 10,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Solar Loan

For members with a homestead and or farmers to light their homes and other household needs and irrigation of crops

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Overview
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Min Loan Amount: UGX 100,000
>
Max Loan Amount: UGX 10,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Kyaapa Loan

Extended to members who own untitled land to process land titles and assume full rights on their land/plot

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Overview
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Min Loan Amount: UGX 500,000
>
Max Loan Amount: UGX 5,000,000
}
Loan Duration/Term: 1-12 Months

Interest Rate: 2% pm reducing balance

Details

Medical Loan

Provides financing to members to meet medical expenses and access timely healthcare for themselves and their family members

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 2,000,000
}
Loan Duration/Term: 1-6 Months

Interest Rate: 1.5% pm reducing balance

Details

Youth and Women Empowerment

Provides financial assistance to youth, women, and persons with disabilities to support their economic empowerment.

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Overview
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Min Loan Amount: UGX 100,000
>
Max Loan Amount: UGX 10,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 1.5% pm reducing balance

Details

Building & Contract Financing Loan

Provides financing to members with approved building and construction contracts from recognized private or government organizations.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Diary and Horticulture Loan

Provides financial assistance to dairy and horticulture farmers to support and expand their farming activities e.g buying farm inputs, livestock, and equipment

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Overview
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Min Loan Amount: UGX 100,000
>
Max Loan Amount: UGX 7,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Quick Loan

Provides fast and convenient access to short-term funds to address immediate expenses without disrupting their regular financial commitments.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 5,000,000
}
Loan Duration/Term: 1-3 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Business Loan

This product is extended to entrepreneurs /individuals with proven cash flows and security/ collateral who wish to expand/restock their businesses.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 200,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

School Fees Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

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Overview
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Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 5,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

This loan is designed for individuals engaged in agriculture anddemonstrate a viable farm, consistent cash flows, and adequate security or collateral.

p
Overview
?
Min Loan Amount: UGX 50,000
>
Max Loan Amount: UGX 50,000,000
}
Loan Duration/Term: 1-24 Months

Interest Rate: 2% pm reducing balance

Details

Agriculture Loan

Back

Eligibility

Entrepreneurs who meet the following criteria shall be eligible to access Agricultural (group and individual) Loans.

Must have operated the same type of business continuously for at least one year.
Must be engaged in business farming activities that generate regular sales (daily, weekly, monthly).
Must have a physical address.
Must be 18 years old and not above 75years, and good character.
Must have a demonstrated capacity to make utility and other license payments, and show compliance to tax laws.
Must be willing to maintain an account with the SACCO.
Must pass the requirements of the credit Analysis and cash flow process.
Must possess a physical agricultural farm or garden, promising on its assessment.

Features

Duration / Loan: Term 1- 24 months
Interest rate: 2% per month on reducing balance method.
Affordable collateral, Land title and land Sales Agreements.
Loan Amounts of Ugx. 50,000 to Ugx. 50,000,000
Loan commitment fees of 1-2% of the approved loan amount.
Insurance Fee of 1% of the approved loan amount.

Benefits

Fast Delivery after detailed appraisal and analysis.
Grace Period: On a case by case, clients may be granted a principal grace period of three to six months depending on the frequency of the cash flows and gestation period. However, the client must meet his/her monthly interest repayment obligations

Business Loan

Back

Eligibility

Entrepreneurs who meet the following criteria shall be eligible to access the Individual Loan:

Must have operated the same type of business continuously for at least one year.
Must be engaged in business activities that generate regular sales (daily, weekly, monthly).
Must have a physical address.
Must be 18 years old and above, and good character and not above 75 years.
Must have a demonstrated capacity to make utility and other license payments, and show compliance to tax laws;
Must be willing to maintain an account with the SACCO.
Must pass the requirements of the credit Analysis and cash flow process.
Must have credible guarantors.

Features

Duration / Loan: Term 1- 36 months
Interest rates of 2% per month on reducing balance method
Collateral requirements: Collateral shall include Land titles, land Sales Agreements, and personal guarantors.
Loan Amounts of Ugx. 50,000 to Ugx 200,000,000.
Processing fees: 1-2% of the approved loan amount
Insurance Fee: 1% of the approved loan amount

Benefits

Fast processing of loan applications.
Larger loan size based on the business cash flow.
Affordable interest rates.
Interest waiver on prepayments.