The Business Loan is extended to entrepreneurs and individuals with proven cash flows and security who wish to expand or restock their businesses. Your loan size is based on what your business actually earns.

Features

Loan amount	UGX 50,000 to UGX 300,000,000
Loan term	1 to 24 months
Interest rate	13% per annum on a reducing balance
Collateral	Land titles, sales agreements, and personal guarantors
Shares required	Minimum of 5 shares, varying with the amount applied for
Fees	Application UGX 5,000 · processing and monitoring 2% · insurance 1.005% of the approved amount

Benefits

• Fast processing of loan applications.
• Larger loan size based on your business cash flow.
• Affordable interest rates.
• Interest waiver when you repay early.

Rwakyakibunya SACCO offers five agricultural loan products, each built around a different farming activity. All are charged at 2% per month on a reducing balance.

Dairy Farming Loan

Enables dairy farmers to invest in high breed dairy cows and goats for better productivity.

Loan amount	Up to UGX 100,000,000
Loan period	Up to 2 years
Grace period	2 to 6 months on interest
Processing time	Within 4 days of delivering all loan documents
Insurance cover	1% to 2%
Requirements	A practising dairy farmer, a member of the SACCO, flexible collateral

The SACCO finances your choice of animal and pays the supplier directly.

Dairy Inputs Loan

Helps farmers acquire quality dairy farming inputs, improving food security and farm income.

Loan amount	Up to UGX 50,000,000
Available to	Both individual and group clients
Requirements	A practising agribusiness farmer with other sources of income

Dairy Agro-Input Dealers Loan

For agro-dealers in the dairy value chain, such as agro-vets, dairy produce marketers, traders, and processors.

Loan amount	Up to UGX 150,000,000
Interest rate	2% per month on a declining balance
Requirements	An existing agriculture input or output trade or service business

Apiary Loan

Finances modern bee keeping alongside your farming, through the purchase of modern beehives, harvesting and processing equipment. Best practice training is available.

Loan amount	Up to UGX 100,000,000
Interest rate	2% on a reducing balance
Grace period	2 to 6 months on interest
Available to	Both individual and group clients

• You have a conducive and safe apiary site.
• You have other income generating activities, such as livestock farming or an established business.
• The equipment to be purchased is modern bee farming equipment.

Horticulture Loan

For horticulture farmers growing onions, tomatoes, pepper, Irish potatoes, and other vegetables. It can finance the whole production process, from seeds, pesticides, and farm implements to fertilisers, low-cost irrigation, harvesting, and storage.

Loan amount	Up to UGX 50,000,000
Loan period	2 to 5 months
Grace period	2 to 3 months
Shares or savings	5 shares, or savings of 5% of the loan requested
Available to	Both individual and group members

• A verifiable horticultural enterprise, owned and operated by you as an individual or household.
• Proven market for the commodity and a clear marketing channel.
• The enterprise is within the SACCO's area of operation.
• An acceptable credit history with the SACCO or another financial institution.
• Proof of ownership, lease, or a land letting agreement for the land used.
• Willingness to repay in weekly, semi-monthly, or monthly instalments.

The Salary Loan is designed for employed members of our community. Bring a recommendation from your employer and access credit to meet your personal goals.

Requirements

• Be a salary earner.
• Be actively employed.
• Be between 18 and 55 years of age.
• Hold an appointment letter.

Designed specifically for motorcycle transport operators, the Boda Boda Loan gives you the capital to acquire or upgrade your boda boda and grow your daily income. Available for both individuals and groups.

Features

Maximum loan	UGX 50,000,000
Initial deposit	UGX 1,700,000
Weekly instalment	UGX 58,800
Repayment	Daily or weekly
Loan period	Not exceeding 24 months
Security	A land agreement or a motorcycle logbook

The School Fees Loan helps you secure a better education for your children, covering tuition and school requirements when term-time costs arrive all at once.

Features

Loan amount	UGX 50,000 to UGX 100,000,000
Loan period	6 to 12 months
Repayment	Over four to six months, or 12 months for institutions
Interest rate	2% per month on a reducing balance
Evidence needed	A school fees bill
Shares	5% of the loan
Fees	Application UGX 5,000 · processing and monitoring 2% · insurance 1.005% of the approved amount

Benefits

• You can choose to pay the loan off early.
• Fast processing time.
• A reward for customers with an outstanding credit history.

The SACCO offers three categories of housing loan, so you can build, grow, or improve your home at your own pace.

• Complete Housing Construction Loan for building a home from the ground up.
• Growing House Loan for incremental construction, one stage at a time.
• Home Improvement Loan for renovations to a home you already own.

Features

Loan size	Up to UGX 300,000,000
Loan period	1 to 24 months
Interest rate	2% on a reducing balance
Repayment	Monthly

The Energy Loan finances the installation of a solar system or biogas power, tapping electricity from the supply line, or the purchase of gas. Solar systems are obtained from a recommended service provider.

Features

Maximum loan	UGX 150,000,000
Maximum loan period	24 months
Interest rate	2% charged monthly on a reducing balance
Repayment	Monthly
Your contribution	10% of the loan
Share capital	5 shares and above
Documents	Quotations or bills of quantities from the contractor or service provider, where applicable
Fees	Application UGX 5,000 · processing and monitoring 2% · insurance 1.005% of the approved amount and interest

Benefits

• Eco friendly.
• Provides a healthier cooking alternative.

This loan is for members with proven cash flows and security who face critical, urgent needs, such as sickness, a motor vehicle breakdown, urgent treatment of livestock, or a death in the family.

Features

Loan amount	Up to UGX 10,000,000
Duration	Up to 4 months
Interest rate	3% per month on a reducing balance
Repayment	Monthly
Collateral	Land titles or land sales agreements
Fees	Application UGX 5,000 · processing and monitoring 2% · insurance 1.005% of the approved amount

Benefits

• Processed in one day.
• Can be given out against other running loans.
• Interest waiver when you repay early.
• Larger loan amounts after a detailed appraisal.

The Group and Institution Loan is built for savings groups, associations, and institutions that borrow together. Pooling your strength gives your members access to financing that supports your shared goals, in the spirit of Kamu Kamu Nugwo Muganda.

Requirements

• Copies of your certificate of registration.
• Minutes recording the group's decision to borrow.
• An LC1 letter for your area of operation.
• Consent from group members.
• Collateral securities.

Ekyapa Mungaro is a specialised financing programme that helps kibanja (tenant) holders upgrade their informal land agreements into formal land titles from the Uganda Land Board. It is a land-focused facility designed to help you process land titles, secure ownership, and unlock the productive value of your land.

Overview

Target audience	Individuals and landowners seeking to formalise land ownership or prepare land for productive use.
Purpose	Financing land title processing, subdivision, boundary opening, and related land documentation activities.
Loan period	Flexible repayment period of up to two (2) years.

Loan requirements

• Demonstrate ownership or lawful interest in the land to be processed.
• Provide the information necessary for land title processing or subdivision.
• Ability to repay the loan from income, business, or agricultural activity.

The Asset Financing Loan helps you acquire the productive assets and equipment your work or business depends on, and spread the cost over time rather than paying all at once.