Financing Instruments & Financing Providers

Instant mobile loans

Personal entrepreneur mobile loans

The person should be a registered MTN mobile user who has been active for at least 6 months.

Instant mobile loans

• Money transfer for micro businesses

• The person should be a registered Airtel mobile user who has been active for at least 6 months.

To finance women in business

• Microfinance, particularly for agriculture

• Must be a women's group living and working in the same community
• Should have two guarantors
• Financial Card
• Proof of Ownership of collateral

AgriFinance
This is a loan product for agricultural products.

Loan Purpose:

• For financing of agricultural inputs, production, processing, marketing and distribution

One valid ID photo

Financing short term and long term obligations

• Hold a current or savings bank account
  
• Account managed responsibly
  
• 5,000,000 as Minimum net worth of the firm

• Account statements
  
• Annual bank statement 

Business financing

• We support semiformal micro and small businesses with digital working capital loans of $100-$5000 disbursed via mobile money.
  
• Entrepreneurs can access credit in as little as 2 hours from the comfort of their business. No paper work, no collateral, no lengthy wait times.
  
• Our proprietary underwriting process enables us to verify businesses remotely and grow loan limits appropriately ensuring that Numida and our clients succeed.

• A registered business
• Registered mobile money number,
• Numida mobile app
  
• National ID
• Trading license

For working capital requirements

• All persons engaged in trade of any commodity / goods
• Individuals or firms shouldn't be prohibited by law nor opposed to public interest.

• Company registration form
• Partnership deed (incase of any)

Finance for working capital in Business

• should have satisfactory operative Current account
• should be profit making for last two (2) consecutive financial years

• Company registration form
• Partnership deed (incase of any)

land purchases, survey and registration

• Hold a current or savings bank account.
• Good credit record for applicants.

• Completed loan aplication form
• Financial card

Women in Business loan

• The Women’s Business loan is for women engaged in micro, small and medium businesses who wish to borrow as individuals for long and short term Investments such as adding capital into business, purchase of shares, import and export business.
  
• Enables women to increase their working capital
  
• Enables women increase their income
  
• Loan is payable in manageable installments
  
• Up to 5 years loan period

• Borrower must be a woman
  
• Must have and FTB account
  
• Must be 18 years of age & above
  
• Must have a legal business that has been in existence for at least 6 months
  
• Registration to CRB is mandatory
  
• Sufficient collateral for the loan
  
• Guarantor

To enable all entrepreneurs engaged in income generating activities to grow their business

All Income generative activities

• Business registration documents
  
• Financial reports

Reducing youth unemployment

• Youth between 18-30 years of age
• All applicants must be bonafide residents of their area
  
• Beneficiaries are un-employed, under-employed or poor
  
• Beneficiaries must be Ugandan Nationals

• Certificate of registration from Community Development Officer.
• Proof of existence for at least a year (books of accounts records)

To accelerate sustainable and responsible business growth

For Profit making business

Financial Card

Business financing

Business must be registered or operating in the countries where KCB bank operates

• A completed loan application form
• A business proposal on the proposed project
• 6 months bank statement

Business training, Financial advice

• Hold a current or savings bank account
• An entrepreneur or company holding 50% shares

• Financial card
• Company profile

Financing commercial farmers

• Legally registered farming group
• Hold a current or savings bank account

• Financial card
• Company profile

To help small and medium enterprises nurture and grow their businesses

Small Business loans

• Should possess a Certificate of incorporation
  
• Should be involved in profit making business for at least two years
  
• Certificate of incorporation
  
• Copy of partnership deed
  
• Memorandum and articles of association

Business

• Mobile financial services

• A phone number
• A National ID
• A mobile money or bank account and,
• Collateral to secure your loan.
• National ID and application through the Asaak mobile phone

Financing institutions and corporate businesses for continuity

The Small Business Loan, is a short to medium term credit facility aimed at financing business growth in the Small and Medium business segments.
Bi-monthly, monthly& quarterly depending on a client’s business cash flow cycle

• Application Form
• Business Trading license.
• Bank Statement for at least 6 months.
• Cash flow projections for at least 12 months – to be prepared by the Bank’s Relationship Managers after looking at basic source documents, interviewing the customer and visiting the client’s business premises.
• Copy of Valuation report prepared by a bank-approved valuer(s) where applicable.
• Client to sign affidavit in addition to land sales agreement.
• Spousal consent for all security where applicable

To enable business firms to expand and grow

• Flexible Repayment period 3-36 months
  
• Interest charged on reducing balance.
  
• Up to UGX 120 million
  
• Flexible collateral requirements

• An active Savings account
  
• Business must be legal
  
• Trading licenses
  
• Financial Card
  
• Loan processing fees
  
• At least 12 months experience in the business to be funded
  
• Acceptable collateral