Financing Instruments & Financing Providers

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

• Completed loan aplication form
• Financial card

• 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

• SMEs dealing in agribusiness only and can be accessed through ABI Implementing partners who are Financial Institutions.

• Legally registered agribusinesses
• More than 3 years in existence with audited financial reports
• Innovation and level of contribution to the Project Budget in cash
• Applicant should be fully tax and NSSF compliant

• 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)

• 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.
  
• Details of the social impact of the business.

Microfinance

• 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

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

• Must be an existing legal business with an operative bank account
• Collateral/security

• Application for the facility with a clear purpose
• Financial information

• 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

• Trust Business loan
  
• The Trust Business Loan enables you to meet your working capital requirements as you pay back in manageable installments.
  
• Increase your working capital
  
• Loan size varies with your business requirement and collateral
  
• Payable in manageable installments
  
• Flexible loan period

• Borrower must be 18 years of age and above
  
• Operating a legal and running business
  
• A saving account at Finance Trust Bank
  
• Loan guarantee savings required where necessary
  
• Sufficient collateral is required for the loan (e.g. land titles, chattels, motor vehicle logbook etc.)
  
• 2 reputable guarantors
  
• Legal business that has been in existence for at least 6 months
  
• Commercial trading license

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

• Financial card
• Company profile

• Must be a woman 18 years and above
• Sufficient collateral the loan

• Registration to CRB

The EFC Women Market Trader Loan is specifically designed for women entrepreneurs who need fast and efficient small loan services. It may be used to finance a wide range of activities including working capital, equipment purchases, investments and agricultural supplies to name a few. The product is aimed at improving women’s livelihood by empowering micro entrepreneurs financially.

• Borrower must be an entrepreneur or merchant or legal entity
• Be of the age of majority
• Should have at least 6 months expertise
• Have a guarantor and collateral
• Financial card
• Valid trading licence

• Social enterprises that had collected solid evidence on the effectiveness of their approach,
• reached a certain scale (typically 3-10 MUSD in annual expenditures),
• built high-quality systems for financial management and impact monitoring,
• attracted highly skilled managers and built a track-record of good cooperation with all relevant stakeholders

• Growing your business can be easy.
• Get a secured or unsecured installment loan to expand your working capital, plus get access to great interest rates.
• Competitive interest rates.
• Fixed interest rates.
• Simple to arrange.
• Higher loan amounts.
• Flexible repayment options.

• You need an Absa Uganda business account.
• Your business must be 3 years or older.
• You must have banked with Absa Uganda if you need an unsecured loan.
• Collateral is required if you need a secured loan.
• Up to date annual returns and filed receipts
• Certificate of Incorporation/Registration
• Partnership deed.

• Financing for the working capital requirements of a qualifying business.
• More specifically, they are intended to facilitate key operational requirements that directly aid production such as purchase of raw materials and productive inputs.

• Applicants must be incorporated entities
  
• The project must have an equity contribution of 60% of the total project cost if it is a start-up and 40% if it is a going concern
  
• Adequate collateral is required, preferably landed property

Small business grants and loans schemes through the British High Commission in Kampala

• We continue to focus on reaching small farming and handcraft groups in disadvantaged areas, with 47% of customers having a turnover of below £500,000.
  
• All of the businesses we work with need to be fair trade registered
  
• We lend to support Fairtrade products such as coffee; fresh fruit, nuts, and cocoa, as well as handcrafts such as weaved baskets and furniture.

• Compliance with our ESG criteria
• Strong track record and solid customer base
• Max. turnover €10 Million
• Min. turnover €300k (Uganda €100k)
  
• Break-even situation (at least operational profit)
  
• Solvency: min. of 20% after investment
  
• Own contribution: min. 20% (ration 1€ to 4€)
  
• At least 2 years (audited) financial statements

Support for start-up entrepreneurs across Africa

• A viable business idea or startup
  
• Business plan