Opportunity Loans

Opportunity Solidarity Loans

Ideal for customers who are unable to meet formal collateral requirements but have good character and a proven credit history. Credit approach used focuses on joint group liability and peer pressure to ensure repayment.


  • Character based loans to clients without formal collateral.
  • Minimum amount a business can borrow is    UGX 100,000.
  • Maximum credit Limit is UGX 5,000,000.
  • Repayment period of 4 to 12 Months.

Opportunity Business Loans

Ideal for any business that needs working capital to finance its business expansion.


  • Small & Micro business owners.
  • Minimum amount a business can borrow is    UGX 500,000.
  • Maximum credit Limit is UGX 20, 000,000 for Individual Loans.
  • SMEs can borrow up to 625 Million.

School fees loans

Loan to parents / Guardians for payment of school fees


  • Loan period of up to 12 months.
  • Minimum loan amount UGX 100,000.
  • Regular payments but lump-sum payment is allowed.
  • Maximum credit limit is UGX 5,000,000.
  • Loan may fall under group, individual.

Agriculture Loans

As for group and individual lending above, Borrower must have been in business for more than 2 seasons.


  • Loans to farmers and participants in the value chain e.g. input dealers, transporters
  • Agriculture financing may be in group, or Individual and SME
  • Repayments made according to Cash inflow
  • Grace periods are allowed.
  • Loan repayment can be made from other non agric incomes