KuulaBusiness loans with the cost written down before you say yes.
Kuula lends to traders, shop owners and growing businesses in Uganda. Apply on your phone, get reviewed by a real credit team, and receive the money on MTN or Airtel Mobile Money.
Business lending only. Every application is reviewed, and not every application is approved.
- You borrow
- UGX 1,000,000
- Interest, 33.6% a year
- UGX 82,849
- Fees
- UGX 0
- You repay in total
- UGX 1,082,849
Worked out the same way as your real offer: simple interest on the amount borrowed, for the days you borrow it. Your amount and term depend on your review.
Money for the work your business already does.
Kuula is for businesses that are already trading. Loans are for a productive business purpose, not personal spending.
Stock
Restock shelves before market days, holidays and the school term, when customers come in.
Working capital
Cover rent, transport and supplier payments while you wait for your own customers to pay.
Equipment
Buy or repair the tools, machines and fittings that your business depends on.
Growth
Open a second stall, add a product line or take on a larger order.
From application to Mobile Money
Kuula does not promise instant approval. A credit officer looks at your business, and you see the full cost and the agreement before any money moves.
Create your account
Verify your phone number and your National ID.
Tell us about your business
What you sell, where you trade, and your monthly sales and costs.
Get reviewed and receive an offer
Our credit team checks your application and may visit your business.
Accept and get paid
Read and accept the agreement; the money is sent to your Mobile Money.
Lending that fits a business, not a payslip.
Kuula looks at what your business earns after its costs, your trading history and what you already owe. Your first loan is sized carefully, and your limit grows as you repay on time.
What we will never do
- Charge fees that are not in your offer.
- Send money before you accept the agreement.
- Ask for your PIN by phone, SMS or email.
Ready to grow your business?
Create your account in a few minutes and apply when you are ready.