Financing Instruments & Financing Providers

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 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

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

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

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)

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

Financial inclusion for marginalized groups

• Innovative projects aimed at strengthening financial inclusion among marginalized groups

improving the livelihoods of youth in Northern Uganda

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

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

Ensuring that customers are able to set up serious development projects

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

• Financial information

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 facilitate the performance and growth of small and medium enterprises

• Possession of a trading licence
• Credible guarantor
• Trading License
• Letter of Guarantee
• CRB registration

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

Equity investment is a mode of business financing where UDB provides capital or invests in a project in return for shareholding in the project on given terms. The project must fall within the Bank’s priority sectors.

Equity investment is a mode of business financing where UDB provides capital or invests in a project in return for shareholding in the project on given terms. The project must fall within the Bank’s priority sectors.

• 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

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

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

Scaling ventures

• Ventures must focus on the acument pillars:
• 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.

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

To stimulate the growth of Small and Medium Agri-businesses (SMAs)

• Proven business model (and full business plan and financial operating history for larger investments)
• Strong management team
• Potential for long-term growth
• Potential positive impact on people, economies and the environment

• Full business plan and financial operating history for larger investments

Easing access to finance for African MSMEs

All African SMEs with a valid operating license

• Business registration documents
• Audited financial reports

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

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

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

Social innovations to transform the lives and opportunities of people living in poverty.

• Innovations with the potential to scale to reach millions of people living on less than $5 PPP a day.
• Innovators must have relevant expertise and capabilities to achieve success

• Description of the innovation

To facilitate short and medium term credit for SMEs

• FINCA Small Business loan
• Facilitates business performance and growth
• Personalized repayment plan
• Loan amount depends on business performance
• Competitive interest rates

• Minimum age of 18
• Active Business for atlest 6 Months
• Guarantorship Financial Card
• CRB registration
• Trading License
• Individual borrowers with active businesses
• Applicant must be 18 years and above
• At least 6 months of business existence and activity
• Possession of proof of business preferably trading license
• Two guarantors
• CRB registration (Card or Number)
• Possession of an acceptable form of collateral

Financing solutions to keep your agricultural business up and running. 

• Must be a legal business existing for at least 2 years
  
• Have an active bank account with Stanbic bank
  
• Possession of collateral
  
  

• Business Legal documents
  
• Business' financial statements, including and income statement, balance sheet and cash flow  
  
• A 12-month cash flow forecast  
  
• Management Accounts or Audited Financials for 2 years 
  
• Cash flow statement projections.
  
• Valuation report if security pledged is land/Buildings
  
• Bank Statement from the client has been banking for 1 year
  
• Financial Card
  
• Performa Invoices for the machinery

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

It facilitates acquisition of qualifying assets that aid production and/ or value addition in key sectors. The asset is the primary security for the financing.

It facilitates acquisition of qualifying assets that aid production and/ or value addition in key sectors. The asset is the primary security for the financing.

• 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

Invest in grass root organizations

Agricultural cooperatives and SMEs or committee based organization not employing more than 100 workers with maximum annual sales of more than 500,000 USD

• Application template
  
• Proposal

Advancing good business background and repayment capacity for asset purchasing.

• Term Working capital loans.
• Business Loans Application Form duly completed.
• PIN Certificate of the applicant.
• ID copies and PIN certificates of the directors.
• Director’s resolution to borrow.
• Audited financial accounts for the last three years.
• Business latest management accounts with current aged debtors and creditors.
• Copies of the security documents e.g. title deed, logbook etc.
• Copy of the valuation report, if available.
• Copy of the letter(s) of offer and certified loan account statements from other institutions, if enjoying other facilities.
• Bank statements for the last six months, if banking elsewhere.
• Sketch map of physical location of the business premises.
• Cash flow projections for next 12 months.
• Copy of the business registration certificate (business names).
• Copy of the certificate of incorporation (limited companies).
• Copy of the memorandum and articles of association (limited companies).
• Latest returns to the registrar of companies.
• Details of Securities offered.

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.

Seed funding, Scaling

• Mobile phone–based financial services or business models built on mobile payment platforms.
• Specialized credit assessment or delivery models.
• Online or social media platforms for enabling financial access.
• Pay-as-you-go, collaborative consumption, and
• New products for people living in poverty.

• Proof of business ownership,
• Business plan

Supporting small holder farmers

• Awarded to organizations that have been determined to posses the operational capability, technical expertise, adequate internal controls and experience to implement Agra transformative agenda.

• Concept notes
• Proposal

To help grow Businesses

• Our secured business loans are available to businesses and individuals in business who need to finance expansion or diversify their business assets.
• Get a loan with a flexible repayment period that is based on your business and borrowing purpose.
• Offers flexible security options.
  
• Maximum tenor period of up to 5 years for capital expenditure (CAPEX) and 3 years for working capital.
  
• Repayment period is assessed on existing business cash flow and cash flow projection.

• The business should be registered
  
• The business must have been operational for the last 3 years
  
• Copy of ID cards for all Directors
  
• Copy of company TIN
  
• Certificate of Incorporation/Registration
  
• Memorandum & Articles of Association
  
• Financial reports for the past 3 years

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

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

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

Working capital financing

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

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

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

Increasing working capital and income for women in business

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

• Registration to CRB

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/ 

To Increase availability of accessible and climate resilient food for population

The primary target groups of the project include small and medium entrepreneurial farmers, SME agribusinesses, and service providers to these SMEs, as well as financial institutions and government agencies that play a key role in creating an enabling environment that can foster large-scale roll-out of climate smart agriculture in East Africa.

Full business plan 

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 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

Upgrading cocoa and value chains with a focus on post harvest handling, marketing, better price incentive, etc.

Qualifying businesses must be:

• SMEs and National Research Institutions in the priority value chains of coffee and Cocoa.
• Business support organizations in coffee and cocoa. The request must be between 50 & 55% of the total eligible cost.

• Business registration documents.
• Financial reports.

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