A deliberately small, deliberately simple loan for farmers who have never borrowed from a bank before. No collateral and minimal paperwork — a verified identity and evidence that you farm is enough. Repay it on schedule and you qualify for a larger scheme next season.
Loan overview
Maximum loan amount
UGX 5,000,000
Interest rate
10% per year
Repayment period
6–18 months
Processing time
2 – 5 working days
Who can apply
Ugandan citizen aged 18 or older
Farming five acres or less
A valid national identity credential
No collateral required
What you’ll need
National ID or digital identity credential
A letter from your LC1 confirming that you farm
You can borrow between UGX 200,000 and UGX 5,000,000 under this scheme.
Start your smallholder starter loan application
You’ll verify your identity first, then we’ll fill in as much of the form as we can for you.