Financing Instruments & Financing Providers

land purchases, survey and registration

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

• Completed loan aplication form
• Financial card

Finance working capital and acquisition of business assets

• 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

to promote Agribusiness financing to SMEs

• 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

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)

Mobilizing investments for the agro industrialization of Uganda

• 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.

To finance business expansion and acquisition of commercial property

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

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

Financing customers to purchase stock for trading purposes or offer services

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

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

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 business owners meet their working capital requirements as they pay back in managable instllments

• 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

Business training, Financial advice

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

• Financial card
• Company profile

Increasing working capital and income for women in business

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

• Registration to CRB

Support women's livelihood by empowering micro entrepreneurs financially

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

Increasing productivity of small holder farmers

• 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

Support the growth of sole traders, Partnerships, Associations and Limited companies

• 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.

• 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

improving the livelihoods of youth in Northern Uganda

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

To help producers build capacity and/or profitability for example by purchasing essential equipment

• 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.

Empowering Entrepreneurs

• 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

Seed capital

Support for start-up entrepreneurs across Africa

• A viable business idea or startup
  
• Business plan

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.

• A Security Deposit Or Hard Collateral
• 2-3 year track record
• Company should have positive flow
• Sales of at least 150,000 USD

• 2-3 years audited reports
• Solid business plan

To finance businesses with working capital for expansion and growth

Boda Boda loans

• This is a loan product for motorcycle riders who want to aquire and or expand on their business.
  
• 3.3% Set up fees of loan amount
  
• Stamp Duty is UGX15,000 of loans above 3M
  
• Calculation of interest; Reducing Balance

• Business should be operational for at least 12 months
  
• Possession of a Certificate of Incorporation
  
• Initial Deposit of UGX 500,000
  
• Open an account with OBUL
  
• Must have a Rider's permit
  
• CRB Search fee of UGX15,000
  
• Application fees of UGX20,000
  
• Operate from a recognized stage
  
• Recommendation letter from your area of residence
  
• Recommendation letter from your association
  
• Three guarantors(1 from family, 1 from association,1 from your stage)
  
• Financial Card

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 expansion to Landless people and those deriving their livelihood from the land

Ideal for any business that needs working capital to finance its business expansion

Main benefits:

• Flexible repayment period of up to 60 Months
  
• Top Up loans available
  
• Competitive interest rates
  
• Apply from any of our branches country wide

• Should have an account with PBU
  
• Must reside within the branch's operational area which borrows from PBU
  
• Valid National ID
  
• Financial Card
• Business should be operational for at least 6 months
  
• Business registration documents
  
• Security for borrowing
  
• Two guarantors

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

Scaling SMEs

Maximum loan amount: 35% of company's equity

Contact the IFAD Country Programme Manager, Mr Pontian Muhwezi or the IFAD Country Director Ms. Lakshmi Moola

To accelerate sustainable and responsible business growth

For Profit making business

Financial Card

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

Working capital financing

Business must be registered or operating in the countries where Ecobank operates

• Hold a bank account in Ecobank,
• Business registration documents

Financing working capital in SME/micro corporate loans

• Posses a legal business existing for at least 6 months

• Registration to CRB

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:

• Commercial vehicles
  
• PSV Vehicles
  
• Buses
  
• Trucks and pick-ups
  
• Tractors and related implements
  
• School buses
  
• Office equipment
  
• Contractor equipment
  
• Industrial equipment
  
• Medical and Laboratory equipment

The business should be registered

financing Working capital requirements in SME / Micro / Refugee loans

Features

• Flexible: Repayment period 3-24 months
  
• Interest charged on reducing balance.
  
• Minimum loan amount is UGX 100,000
  
• 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

The fund provides financing to farmer producer cooperatives in Africa, Asia and Latin America

• Active in the Food & Agriculture sector
  
• Track record in sales of agricultural products and able to demonstrate long term (export) trading relationships
  
• Financing requirement: working capital or income-generating assets.
  
• Profitable results (over the last three years), with future
  growth prospects
  
• Financially sound and able to produce audited financial statements

• Audited financial statements
• Financial forecasts
  
• Business registration documents

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

All Income generative activities

• Business registration documents
  
• Financial reports

Financing land acquisition to Business people and SMEs 

• No security required
  
• Atleast12 months bank statetement for sole proprietors

• Financial Card
  
• Complete Loan Application
  
• Sales Agreement

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

Financing Professionals and Consultants earning a monthly income

• Minimum age 21 years
  
• Professionals and consultants earning regular monthly income
  
• Both citizen and non citizen

• Valid work id/ passport
  
• Financial card
  
• Tin number

Financing for projects with a capital expenditure requirement for expansion, refurbishment, re-equipment and new asset acquisition. They can be extended to both new and existing projects.

• Financing for projects with a capital expenditure requirement for expansion, refurbishment, re-equipment and new asset acquisition.
• They can be extended to both new and existing projects.

• 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

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.

Financing for projects with a large capital expenditure component to be implemented over a relatively long period of time. Long term loans are suited for large scale projects such as infrastructural development and others.

• Financing for projects with a large capital expenditure component to be implemented over a relatively long period of time.
• Long term loans are suited for large scale projects such as infrastructural development and others.

• 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

Working capital, real estate construction or acquisition and capital expenditure financing

Business must be registered or operating in the countries where Ecobank operates

• Hold a bank account in Ecobank,
• Business registration documents

Financing for agricultural businesses

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/ 

Financing Customers to secure their land through acquisition of titles

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

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

Financial inclusion of businesses stuck in the missing middle

• 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

• Audited financial statements
• Financial forecasts
• Business registration documents

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.

• 2-3 year track record

• Company should have positive flow

• Sales of at least 150,000 USD

• 2-3 years audited reports
• Solid business plan

Financing Micro-enterprises

• Businesses must be more than 1-year old and registered in Kenya or Uganda.
• Generating monthly revenue of UGX 7,000,000 or above and,
• Employing more than 4 full time members of staff

• Certificate of incorporation, Financial reports

Support economically active customers in rural areas with no individual collateral, like women groups.

• Attractive interest rates
  
• Flexible repayment period of up to 12 months
  
• Top up loans are available
  
• No collateral required
  
• Small weekly installments
  
• Insurance cover in case of death or injury
  
• Networking opportunities
  
• No penalty charges on early repayments
  
• Competitive interest rates
  
• Access to PBU services at selected Branches
  
• Loan graduation for the best Performing groups

• The group and the individual members must have an account with PostBank Uganda
  
• A valid group and members address
  
• Introduction letter for the group by the area LC1
  
• Valid National IDs of all members
  
• Individuals or group must declare Source of income
  
• No collateral required,
  
• Should have an account with PBU
  
• Valid National ID
  
• Financial Card

Provides credit to groups through microfinance intermediaries/ partner organizations, and where necessary directly to registered groups. The intermediaries may be SACCOs, MFIs and NGOs.

SME Scaling

• Business operating in a country where they have an office.
• Business needs medium term loan capital between: US$100k and US$1.5M.
• Applicant’s business is for profit
• Applicant’s business has a turnover of less than US$ 15 million and assets less than US$ 6 million.
• The business is owner-operated and/or the owner is substantially involved in running the business

• Business Plan and Projections, Financial Information, Shareholders Information, Identity Documents
• Application form is on https://grofin.com