Business Loans · Working Capital

Scale Your Business
Without Limits.

Working capital from UGX 2M to 20M for shop owners, salons, restaurants and growing traders. Structured repayment that fits your business cycle.

Apply Now Talk to Us

Loan RangeUGX 2M – 20M

RepaymentUp to 6 months

ScheduleDaily / Weekly

SecurityAsset or Guarantor

Who is this for?

Established small businesses that need higher working capital to stock up, manage operations, or expand their trading activities.

Shop Owners Salon Owners Restaurants Wholesalers Small Traders Food Businesses

Eligibility Criteria

Operational business with verifiable cash flow

Sufficient collateral or guarantors available

Active Kray account for at least 1 month

What you get

What you will need

How to get it

National ID

Trading License

Guarantors or Collateral

Active Kray Account (1+ month)

Proof of Business Operations

Visit any Kray branch or apply via the Kray mobile app or USSD *217#.
Carry your National ID and all required documents listed above.
A Kray loan officer will assess your application and guide you through the process.
Once approved, funds are disbursed directly to your Kray account — sometimes same day.