Licensed Tier IV money lender
Loans that grow with you.
Kuula gives small business owners in Wakiso the working capital they need — backed by group trust, not land titles.
Loan range
300,000 – 10,000,000 UGX
Six structured tiers. Start small, repay on time, qualify for more each cycle.
5–7
Group size
8wk+
Repayment
65%+
Women
How we lend.
Three principles that shape every loan we make.
We lend to small business groups
Groups of 5-7 owners who know and trust each other. Each member backs the others. No land collateral required.
We use mobile money data
We assess your business through 6 months of mobile money history, not paperwork you don't have.
We grow with your business
Start small. Repay on time. Each loan cycle, you qualify for more. From 300,000 UGX to 5,000,000 UGX over time.
Who we serve.
We focus deeply on three customer segments. Specialization beats generalization in microfinance.
Market vendors
Selling vegetables, foods, clothing, and more in Wakiso markets.
Boda boda riders
Organized through stages, with cashflow you can track.
Kiosk and salon owners
Running businesses in residential neighborhoods.
Built for borrowers, not paperwork.
Most lenders want land titles, audited statements, or salary slips. We know small business owners don't have those — but we know they have something more important: a business that works, customers who come back, and a community that knows them.
That's what we lend on.
Regulator
Licensed Tier IV money lender, regulated by the Uganda Microfinance Regulatory Authority (UMRA).
Credit reporting
Member of the Credit Reference Bureau, contributing to a healthy Ugandan credit ecosystem.
Data protection
Compliant with the Data Protection and Privacy Act, 2019. Your information is protected.
Are you part of a group that wants to borrow together?
Get in touch. We'll arrange a visit to your market, stage, or community.