Credit Facilities

Purpose-Built
Financial Solutions.

We offer tailored credit facilities designed specifically for Uganda's grassroots economy — agricultural collectives, micro-enterprises, and salaried professionals.

Loan Portfolio Distribution
Group Agricultural Loans84%
SME Business Loans11%
Salary / School Loans5%
Portfolio Distribution Donut Chart
2.18B Live Portfolio

Current Portfolio Concentration

Group Agricultural Loans

Core Product
84%

SME Business Loans

Enterprise
11%

Salary & School Fees Loans

Consumer
5%
agriculture Flagship

Group Agricultural Loans

Specifically tailored to offset seasonal planting and harvesting constraints for smallholder agricultural groups.

Product Specifications

Target End-User Women-led Savings Groups (SILC, VSLA)
Ticket Size UGX 500,000 – 3,500,000
Tenure 1 – 8 Months
Collateral Required None (100% Group Co-guarantee)
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SME Business Loans

Working capital designed to accelerate inventory turnover and operational scale for growing enterprises.

Product Specifications

Target End-User Traders, Retailers, Service Providers
Ticket Size UGX 3,500,000 – 30,000,000
Tenure 12 – 18 Months
Collateral Required Tangible Asset / Land Title
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Salary-Backed Loans

Affordable liquidity targeted at formal sector employees via employer check-off or direct deposit agreements.

Product Specifications

Target End-User Civil Servants, Teachers, NGO Staff
Ticket Size UGX 1,500,000 – 10,000,000
Tenure 12 – 18 Months
Collateral Required Letter of Undertaking (Employer) / Guarantees
info Also offering Short-term School Fees Loans (UGX 2M max, 3-4 months).
Beyond Credit

Value Added Services.

Credit alone is insufficient without the capacity to manage it. De MFL bundles these essential services.

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Financial Literacy Training

Pre-disbursement training mandatory for all group borrowers. Covers enterprise management, cash flow sequencing, budgeting, and savings mobilization.

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Credit Life Insurance

A built-in 2% premium protects the borrower's family and the institution from default liability arising from total disability or death.

Estimate

Loan Repayment Calculator

Estimated Monthly Repayment UGX 383,333
Principal UGX 2,000,000
Total Interest UGX 300,000
Total Payable UGX 2,300,000

* Estimates use indicative rates. Final repayment schedules may vary based on exact terms, mandatory insurance, and application processing factors.

Ready to grow your enterprise?

Join over 13,586 households already on the path to financial freedom with De MFL.

Apply for a Loan Speak to an Advisor