Free with every Kuula loan
The Kuula Business Companion
A free mobile app for every Kuula borrower. See your loan, track your business, and grow: all from your phone.
On your phone
- Loan balance and next payment, front and centre.
- Sales and expenses logged in seconds.
- Lessons and a community of business owners.
More than a loan. A complete business toolkit.
When you take a loan from Kuula Microfinance, you get more than just capital. You get the Kuula Business Companion: a free mobile app that lives in your pocket and helps you manage your loan, run your business, and plan your growth.
The app is built specifically for small business owners in Kampala and Uganda. Market traders. Boda owners. Salon owners. Restaurant operators. Retail shop owners. People running real businesses who need real tools, not complicated software.
There is no separate fee. There is no subscription. If you are a Kuula borrower, the app is yours.
For your loan
Manage your loan from your phone.
Everything you need to keep your repayments on track, without a trip to the office.
See your balance any time
Open the app and your loan summary is the first thing you see. Outstanding balance, next payment amount, due date: all visible without calling the office.
Pay through Mobile Money
Pay your installment through MTN Mobile Money or Airtel Money directly from the app. No need to visit a bank. No queues.
Track your full repayment schedule
See every installment due across the life of your loan: paid, current, and upcoming.
Receive payment reminders
Get notifications a few days before each payment is due, so you can plan ahead.
Access your documents
Your loan agreement, payment receipts, and statements are stored in the app, ready when you need them.
For your business
Understand and grow your business.
Simple daily tracking that turns into real insight over weeks and months.
Log sales in five seconds
Tap the sale button, enter the amount, choose the category. Done. No paperwork, no spreadsheets.
Track expenses the same way
Stock purchases, transport, rent, utilities: all categorized and counted.
See today's profit at a glance
The app calculates your net earnings every day from your logged sales and expenses.
Watch your business health over time
Weekly performance, monthly trends, and comparisons to similar businesses in your area: anonymously and privately.
Set goals and track progress
Choose a sales target, a savings goal, or a milestone like hiring your first employee. The app tracks how close you are.
Learning and community
Learn from people facing the same challenges.
Running a small business in Uganda is hard. You should not have to figure it all out alone.
Short business lessons
Videos and articles on negotiating with suppliers, handling slow seasons, hiring your first employee, and other practical topics.
Community discussion
Ask questions, share what works, and learn from other Kuula borrowers running similar businesses.
AI business advisor
A 24-hour chat advisor inside the app that can answer common questions about running your business, managing cash flow, and growing your income.
Tax and formalization
Step toward formalization at your own pace.
Formal businesses borrow more, charge more, and grow faster. The app helps you take the steps when you are ready.
URA registration walkthrough
Step-by-step guidance for registering your business with the Uganda Revenue Authority.
Quarterly tax estimates
Based on your logged sales, the app estimates your Presumptive Tax obligation so you are not surprised at filing time.
Trading license reminders
The app tracks your trading license expiry and reminds you well before renewal is due.
Built for Uganda
Designed for the realities of doing business here.
The Business Companion is built for the phones, networks, and data plans most small business owners actually use.
Works on basic smartphones
No fancy phone required. Any modern Android phone runs the app smoothly.
Light on data
Built to use minimal mobile data, so it doesn't eat your bundles.
Works offline
Lost network connection? The app continues working. Your sales and expenses save locally and sync when you are back online.
No app store needed
A Progressive Web App. Add it to your home screen directly from your browser. No Google Play installation. No app store updates.
Your data stays private
Your sales, your expenses, your business numbers: only you can see them. We never share your business data with anyone.
How to get the app.
The Business Companion is included with every Kuula loan. You don't apply for the app separately.
- 1
Visit our office at Taabu Courts, Kisingiri Road, Mengo, Kampala, and apply for a Kuula loan.
- 2
Once your loan is approved and disbursed, your loan officer will help you set up the app on your phone.
- 3
You receive an SMS with the setup link. Tap it, verify your phone number with a one-time code, and the app is ready.
The whole setup takes about five minutes.
Ready to grow your business?
Kuula Microfinance lends to salaried professionals, traders and small business owners in Kampala. If you have verifiable income and a clear plan for the loan, we would like to meet you.
Visit our office at Taabu Courts, Kisingiri Road, Mengo, Kampala, to start your application. Or call us to schedule a visit.