Loans Products - Uganda Central Co-operative Financial Services (UCCFS)

To provide financial facilities to cooperatives have got liquidity challenges and they are un able to meet cash demands on a daily basis
Loan size is Minimum 5,000,000 Ugx and Maximum 200,000,000 Ugx.
Interest rate is18% per annum on reducing balance.
Loan term is up to six (6) months and paid monthly without a grace period.

Tended to cooperatives for commercial activities for onward lending to their members for Business to members who undertake trade and service business.
Loan size is Minimum 5,000,000 Ugx and Maximum 500,000,000 Ugx.
Interest rate is 15% per annum on reducing balance.
Loan term is Minimum six (6)Months and Maximum 4 years (48 Months)

Tended to cooperatives for asset acquisition and development to strengthen their asset base and operations stability. This can be for purchase of land; Building and other development assets that require large cash flow.
Interest rate is 15% per annum on reducing balance.
Loan term is Minimum six (6)Months and Maximum 4 years (48 Months)
Loan size is Minimum 5,000,000 Ugx and Maximum 500,000,000 Ugx.

This is intended to support environmental Protection and clean energy products i.e. Solar, biogas and energy savings stoves, and agro-forestry (GREEN FINANCING)
Interest rate is 15% per annum on reducing balance.
Loan size is Minimum 5,000,000 Ugx and Maximum 500,000,000 Ugx.
Loan term is Minimum six (6)Months and Maximum 4 years (48 Months)

This is extended to Women, Youth, and Persons with Disabilities, Elderly Persons (like pensioners SACCO) and Start up SACCOs.
Interest rate is 15% per annum on reducing balance.
Loan size is Minimum 5,000,000 Ugx and Maximum 50,000,000 Ugx.
Loan term is Minimum six (6)Months and Maximum 2 years (24 Months)

To provide financial facilities to cooperatives who wish to borrow such that their members can be able to access funds to facilitate agricultural activities ranging from production, value addition, sales and marketing etc.
Interest rate is 15% per annum on reducing balance.
Loan size is Minimum 5,000,000 Ugx and Maximum 500,000,000 Ugx.
Grace period is allowed where applicable depending on the activity
Loan term is Minimum six (6)Months and Maximum 4 years (48 Months)
Repayment frequency is Monthly/Quarterly

This targets the cooperatives that mainly deal with farmers who need money for their daily needs that normally force them to sale their produce at a give away price. In this case, ACEs and RPOs will access money in form of loans from UCCFS and cooperative members will access funds for their daily demands depending on the produce one has and will be bulked as a wait for good prices in future and enjoy the price margin in future after sale. This will encourage farmers not to sale their produce at a give a way price as they have an opportunity to access funds for their immediate demands.
Interest rate is 15% per annum on reducing balance.
Loan size is Minimum 5,000,000 Ugx and Maximum 200,000,000 Ugx.
Grace period is allowed where applicable depending on the activity
Loan term is Minimum 3 Months and Maximum 6 Months