SME Loans

What We Offer:
Kray’s SME Loans are tailored financial solutions designed to support small and medium-sized enterprises (SMEs) in expanding operations, boosting working capital, or acquiring assets. We provide accessible, flexible credit to businesses in trade, services, agribusiness, and manufacturing.

How We Do It:
Our loan process is designed with speed and convenience in mind. Entrepreneurs can apply via our mobile platforms or through our dedicated sales agents. We assess business performance, cash flow, and growth potential to determine the loan amount and structure.

Loan sizes range from UGX 1 million to over UGX 20 million, with flexible repayment terms aligned to business revenue cycles. We offer both secured and unsecured options, depending on the business profile.

We also provide ongoing financial literacy and support to ensure SMEs use funds effectively and sustainably.