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Get Financed
With our tools, you can ensure maximized cash efficiency for your business, your suppliers, customers, and distributors.
Secured Business Loans
Our secured business loans are available to businesses and individuals in business who need to finance expansion or diversify their business assets. Get a loan with a flexible repayment period that is based on your business and borrowing purpose.
Features
- Offers flexible security options.
- Maximum tenor period of up to 5 years for capital expenditure (CAPEX) and 3 years for working capital.
- Repayment period is assessed on existing business cash flow and cash flow projection.
Unsecured Business Loans
Specially designed financing, tailored to provide businesses with easy access to funding for various specific initiatives as approved by management.
This financing enables businesses to focus on growth without worrying about collateral or acquisition of assets.
Features
- Maximum amount of UGX 100 million, subject to loan serviceability.
- Maximum repayment period of 24 months.
- Repayment ability is assessed on existing business cash flow.
- Borrowers must have Personal Accident and Death insurance cover.
Secured Overdraft
A flexible, short term working capital financing facility on your business current account.
Funds are available immediately and repayable on demand, giving you extra funds to manage your day to day cash flow and working capital needs.
Features
- Maximum repayment period of 12 months.
- Flexible loan amount determined by business need and cycle.
- Overdraft can be utilised at your business’ prerogative.
Revolving & Non Revolving Stock Loans
Financing that offers you the flexibility to purchase stock as demanded by business, while maintaining working capital to keep you going.
This financing offers convenient repayment periods and is structured according to your trade cycle.
Features
- Repayment period of up to 36 months, subject to purpose and business net cash cycle.
- Maximum repayment period of 12 months for revolving loans, with a maximum 180 days for each drawdown, subject to the business net cash cycle.
- For revolving limits and on a case to case basis, interest can be serviced monthly and principal repaid at once at the end of the term.
Land Purchase Loan
With convenient repayment periods of up to 60 months, acquiring assets for your business is possible with NCBA.
Whether you need plots for investment commercial use or business expansion, we have a tailored solution suited to your needs.
Features
- Maximum plot size of 2.5 acres.
- Minimum loan amount of UGX 5,000,000.
- Financing is for plots within Kampala metropolitan and major urban and rural areas within major towns.
- Business must be established for at least 2 years with a good track record.
- Loan-to-value ratio is based on the value or selling price of the plot, or whichever is lower.
- Loan repayment period of up to 60 months.
- Interest is calculated on a reducing balance basis.
Auto Equity Loan
For when you need quick financing for business needs such as expansion or working capital.
NCBA allows you to tap into up to 50% of the value of your business vehicles.
Features
- Loan amount to be determined by serviceability and car value.
- Repayment capacity is assessed on existing businesses revenue streams.
- Tenor period of up to 36 months depending on the purpose of funds and the age of the vehicle.
- Saloon cars must not be older than 13 years, and pickups and trucks must not be older than 14 years at the time of repayment.
- Vehicles’ valuation must be carried out by a valuer on NCBA Bank’s panel.
- Vehicles must be fitted with a tracking device fitted by a company listed in NCBA Bank’s panel.
- Vehicles must have up-to-date and comprehensive insurance.
Cash Covered Loans
Quick and convenient financing with NCBA’s Cash Loans of up to UGX 500 million. Borrow up to 120% on funds in your account.
This facility is easy to apply and qualify for, and you can improve your credit score to secure larger amounts after you repay it.
Features
- Security of 90% of account funds if the loan is in local currency.
- Security of 120% of account funds if the loan is in foreign currency.
- Must have held an NCBA transactional account for at least 3 months.
- Fixed deposit to be liquidated and used to settle any loan arrears beyond 30 days.
Investment Club Loan
Let us help your Chama or self-help group grow with the Investment Club loan that Let’s you seize investment opportunities as they arise.
This loan facility is open to both formal and informal investment groups.
Features
- Minimum loan amount of UGX 1,000,000.
- Maximum loan amount of UGX 1,800,000,000 or 4 times the amount of savings, whichever is lower.
- Maximum repayment period of 60 months.
- Investment groups should be formally registered and have been in existence for at least 3 years.
- Monthly repayment should not exceed 50% of monthly contributions, exclusive of any income-generating activity.
Getting, you over that cash crunch
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