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Kray Microfinance > Our Services > MicroBiz Loan

Micro Biz Loan

Available to qualifying Businesses

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.

The starting amount here is Ugx 1,000,000 and maximum of Ugx 2,999,999. This is repaid within 12 to 16 weeks. The customer after sufficient exhibition of capacity on this product will eventually graduate to the SME loan.

Loan Benefits
  • Fast and easiest way to access business funds.
  • Affordable to most low-income earners and rural poor.
  • Informal loan security accepted.
  • Access to automatic loans.
Loan Features
  • Maximum loan amount of up to UShs 2,999,999.
  • Minimum loan amount of UShs 1,000,000
  • Flexible and regular repayment plans.
  • Minimum loan period of 12 weeks
  • Maximum loan period of 16 weeks



A loan should only be taken after a thorough assessment of your requirements and already existing loan/repayment commitments. It is important to understand that while a loan will help you pay for your short-term goals, it will be an additional payment for the next few months/years that you will have to do without fail. Hence, it is imperative to ensure that you will be able to make the monthly payments within your monthly income.

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