City Center Branch City Center Branch Kireka-Kyaliwajjala Mon - Fri 8:00am-5:00pm 0782-055-689|0707-888-001 Mon - Sat 8:00am-5:00pm 0782-055-689|0707-888-001

Growing Business We help small and medium sized businesses access loans, investments through our mobile app or USSD Learn More Contact Us We Support Through Mobile & USSD
access our loans, any time , anywhere at your own convenience. Download our mobile application on Play store and follow procedures. Contact Us Access Our Loans


Our Mobile App allows you secure loans with the least efforts


Fast Loan Products

Our loans are designed to meet you at your needs,  with minimal or no colateral,


Customer First

Our Mobile App allows you secure loans with the least efforts


Who We Are

Kray is a tier 4 digital non-deposit taking microfinance institution with its head offices in Kyaliwajjala. Since inception in 2012, Kray has existed to offer loans to micro, small and medium entrepreneurs.

Starting out manually in 2012, Kray revolutionised its service offering in 2018 to enable easy, fast, convenient and reliable access to credit by digitising its credit process by way of mobile application and USSD, where both smartphone and feature phone owners are served expeditiously without moving an inch from their business and or other premises.

Our Products And Services

Fast Fix Loans

This is our inaugural loan given to all first time borrowers with Kray. The maximum amount is Ugx 500,000 and repaid weekly for a maximum period of eight (8) weeks.

MicroBiz Loan

This is our graduate product for continuing borrowers who have exhibited good repayment behavior, growth in cash flows and better business management practices as well as sufficient collateral.

Salary Advanced Loan

A working capital loan designed for micro and small business to grow their working capital.

SME Loans

Keep your business up and running with our SME loan. Get funding in no time for your operation needs, to buy assets and to stay liquid. 

Asset Financing

We help our clients acquire assets such as land, household assets through affordable and flexible small instalments for six (6) to twelve (12) months.

Rider’s Loan

We finance commercial motorcycle riders with daily fuel loans to facilitate their daily operations. 

Raymond Kiwanuka Peter

Message From Our MD

Dear friends, Partners, clients and all stakeholders, thank you for being part of our journey! We are excited to make ten (10) years and this has been a worthwhile journey than would not have been possible without you all.

We have grown steadily and continue to innovate with intention to offer the best digital customer experience in the microfinance industry despite the various social, regulatory and economic challenges.

The year 2018 is a remarkable year. It’s when we took a decision to digitalize our customer offering to date we continue to offer a convenient, fast and reliable services to all our customer segments across the board through usage of their mobile phones both feature and smart.

We strive continuously move to the top with preeminent and all round financial products, served with excellence and most of all creating impact in the lives and communities in which we operate.

This commitment is what drives us day to day as we work towards realization of this vision Today, Tomorrow, Together!

Kray Mobile App

Get All our loan products and services from our mobile app, With convinience and Ease, No long queues, 


  • All our loans and products in one place
  • Fast, easy convienient way to get loans from your finger tips
  • Regulary updated to provide the most secure platform
  • Montly financial reports

Success Stories

what we have done
District Served
Total Clients Served
Total Loans Disbursed
Loan Agent Network

Clients’ Testimonials

  • I thank Kray for their swift service. I needed to pay for my CPA papers and my salary was to come through in a week and a half, I was stuck! . When I downloaded the app, I was worked on and got the loan that same day and was able to come off the stress for the exam. Thank you Kray

    Maria Kwagala
  • My business has been on a steady growth trajectory because I found a reliable financier in Kray. They not only offer loans in time but go a long way to understand your business and offer credit that relates with the way your business runs.

    Dipio Jane
  • I no longer need to run around scouting for credit, I simply apply online and I am served at my business. Over time I have saved time that I used to use going to look for lenders, follow up the loan process and then make repayment visits for six (6) months. This is much convenient and cheaper.

    Sserwambala Joel

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