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.
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
Financing institutions and corporate businesses for continuity
UGX 3 Billion
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.
Financing Customers to secure their land through acquisition of titles
UGX 10 Billion
Land loans and advice on purchasing land
• Copy of financial card, valid ID and Passport photos • Spousal Consent for married customers • Spousal consent or statutory declaration for marital statuses • Proof of borrowers income • One reputable guarantor
This Products Suits The SME Who Does Not Have The Working Capital To Procure From Their Suppliers And Does Not Have Any Currently Available Eligible And Approved Invoices.
UGX 19 Billion
• A Security Deposit Or Hard Collateral • 2-3 year track record • Company should have positive flow • Sales of at least 150,000 USD
This products suits the SME who sells to local off-Takers on credit terms and does not have the working capital to procure from their suppliers.based on the value of all eligible and approved invoices finance will be provided.
Agricultural cooperatives and SMEs or committee based organization not employing more than 100 workers with maximum annual sales of more than 500,000 USD
Financial inclusion of businesses stuck in the missing middle
UGX 56 Billion
• Capital need of less than US 500k, typically between USD 100-300k in a first round • Never had external equity investors. • Limited collateral. • Early stage or early growth
Prior to applying, please take a moment to verify that your business meets these qualifications. This form is also available in Spanish and French.
Years in Operation: Minimum 3 years of business operations.
We focus on financing for agricultural businesses, cooperatives and related enterprises.
We do not lend directly to individual farms.
Minimum Annual Revenue: $250,000
Location: Must be legally established in one of Root Capital’s lending countries within Africa, Latin America, or Southeast Asia (see sidebar).
Documentation: Must present audited or management-prepared financial statements from the past three years.
Products & Services: Must be active in one or more of our focus industries: coffee, cocoa, honey, tree nuts, vanilla, grains, oilseeds, and other staple crops.
Commercial Relationships: Must have strong relationships with established buyers and at least two professional references.
Once you have submitted this form, a member of our team will contact you within one week to inform you if your business is eligible to apply for Root Capital financing, or to inquire further about your work.
Request a Loan
Complete this form to learn whether your business is eligible: https://rootcapital.org/request-a-loan/
Finance working capital and acquisition of business assets
UGX 258 Billion
• Authority to borrow granted by relevant Ministry in case of financing • Hold a Current or Savings account with the Bank • Projected cash flow statement
• Projected cash flow statement • Valid license for the business being undertaken. • Memorandum and Articles of Association or Partnership deed
Mobilizing investments for the agro industrialization of Uganda
UGX 265 Billion
Track record: minimum one year audited financial records and positive reputation with banks, suppliers and customers
Excellent management team with good entrepreneurial quality
Well-researched and realistic marketing plan
Growth trend shown in historical and forecast demand volume
Competitive advantage: regionally competitive cost of production, product quality matching or exceeding regional industry standards
Stable prices: increasing or stable forecast product prices
A brief description of the business, including its organization structure and ownership
Details of products, markets and distribution channels, including A business plan going forward that clearly sets out the company’s growth/expansion plans, key assumptions, major risks and financial forecast for at least five years.
Copies of audited financial statements for the preceding two years including a copy of the business’s most recent management accounts and a description of the current financial position.
Focus on the poor, game changing innovations that have potential to scale to millions of low-income customers, true effect on customers' quality of life over time.
Business plan.
financial plan.
marketing plan.
The company must be legally registered and have audited financial statements.
All legal requirements and documents must be in place.
To provide various business entities with an opportunity to grow
NCBA Asset Financing provides tailor-made asset finance solutions. Get approval for your loan in no time, with simple documentation that means no hidden costs. On top of that, you have convenient banking with a personal Relationship Manager and favourable payment terms. We offer loans for the below products:
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