URSB-registered · Tier IV non-deposit-taking microfinance
Loans built around how you earn.
Salary loans, asset financing, trader loans and invoice financing in Kampala. Capped at 2.8% per month on a reducing balance.
Loan range
UGX 100K – 5M
Four loan products for salaried professionals, traders and growing businesses.
1–6
Months
2.8%
Per month, reducing
24–48
Hours to review
Our loan products.
Four products covering salary credit, asset finance, trader working capital and invoice financing.
| Loan Product | What it Finances | Repayment | Maximum Interest Rate |
|---|---|---|---|
Salary-Backed Loans Teachers, health workers, NGO employees and established private-sector employees. | Personal and household goals backed by your salary | Aligned to your salary cycle | Max 2.8% per month (Reducing Balance) |
Asset Financing Boda boda riders, small businesses and entrepreneurs. | Motorcycles, business equipment, agricultural tools, electronics | Affordable installments | Max 2.8% per month (Reducing Balance) |
Small Trader Loans Market vendors, retail shop owners and mobile money agents. | Stock, inventory and operational needs | Business-friendly schedules | Max 2.8% per month (Reducing Balance) |
Invoice & Contract Financing Government contractors, suppliers, service providers and growing SMEs. | Unpaid invoices and confirmed purchase orders | Settled when your invoice pays | Max 2.8% per month (Reducing Balance) |
Salary-Backed Loans
Teachers, health workers, NGO employees and established private-sector employees.
- Finances
- Personal and household goals backed by your salary
- Repayment
- Aligned to your salary cycle
- Max interest
- Max 2.8% per month (Reducing Balance)
Asset Financing
Boda boda riders, small businesses and entrepreneurs.
- Finances
- Motorcycles, business equipment, agricultural tools, electronics
- Repayment
- Affordable installments
- Max interest
- Max 2.8% per month (Reducing Balance)
Small Trader Loans
Market vendors, retail shop owners and mobile money agents.
- Finances
- Stock, inventory and operational needs
- Repayment
- Business-friendly schedules
- Max interest
- Max 2.8% per month (Reducing Balance)
Invoice & Contract Financing
Government contractors, suppliers, service providers and growing SMEs.
- Finances
- Unpaid invoices and confirmed purchase orders
- Repayment
- Settled when your invoice pays
- Max interest
- Max 2.8% per month (Reducing Balance)
UMRA-compliant
Interest capped at 2.8% per month. No hidden fees.
In line with UMRA guidelines, our rate is capped at 2.8% per month (33.6% per annum), calculated on a reducing balance basis. You only pay interest on your remaining principal.
The Kuula Business Companion
More than a loan.
Every Kuula borrower gets the Business Companion app free. Manage your loan, track sales and expenses, and pay via Mobile Money.
Manage your loan
See your balance, pay via Mobile Money, track your schedule.
Track your business
Log sales and expenses. Watch your profit every day.
Learn from peers
Short lessons and a 24-hour business advisor in the app.
Know your repayment before you apply.
Pick an amount and tenure. Toggle weekly or monthly to match your cashflow.
Loan calculator
See what you would owe.
Payment
UGX 352,172
per month · 3 payments
Total interest
UGX 56,515
At 2.8% per month, reducing balance
Total repayable
UGX 1,056,515
Principal + interest
Indicative figures only. Final terms are confirmed in your formal Money Lending Agreement.
How to apply.
Four steps from first visit to funds in your account.
- 1
Calculate your loan
Use the slider to pick your amount and tenure. See your exact repayment before applying.
- 2
Submit documents
Bring your National ID, proof of income and collateral details to our office.
- 3
Verification and approval
We review your application and give a decision within 5 to 10 working days.
- 4
Disbursement
Once approved, sign your agreement and receive funds via Mobile Money.
Who we serve.
Salaried employees
Teachers, health workers, NGO staff and private-sector employees. Loans aligned to your salary cycle.
Boda riders and entrepreneurs
Finance a motorcycle, equipment or tools. Own the asset without paying the full cost upfront.
Traders and shop owners
Market vendors, retail shops and mobile money agents. Working capital for stock and operations.
Contractors and suppliers
Unlock cash from unpaid invoices and confirmed purchase orders.
How we lend.
Built around how you earn
Salary, trading, asset ownership or a confirmed contract. We have a product for each.
Clear decisions
You know within 5 to 10 working days. You see the full cost before you sign.
Mobile money disbursement
Funds go directly to your mobile money number. No bank account needed.
Repayment opens bigger loans
Each loan repaid in full qualifies you for a larger amount next time.
Registered company
Registered with the Uganda Registration Services Bureau (URSB).
- URSB No.
- 80034879228612
- TIN
- 1058061488
- Office
- Taabu Courts, Kisingiri Road, Mengo, Kampala
Regulatory status
Tier IV non-deposit-taking microfinance institution. UMRA Tier IV licence application in progress.
We do not take deposits or offer savings accounts.
Data protection
All personal data handled under the Data Protection and Privacy Act, 2019. Your data is never sold.
Need financing?
Visit our office at Taabu Courts, Kisingiri Road, Mengo, Kampala or send us a message to get started.