Business Loans · Working Capital

Same-Day Capital,
Zero Delays.

Restock your business, pay suppliers, and cover urgent expenses the same day you apply. Built for traders who can't afford to wait.

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Loan RangeUGX 300K – 2M
DisbursementSame Day
RepaymentUp to 60 days
ScheduleDaily / Weekly
300K–2M
LOAN AMOUNT
Uganda Shillings
Same Day
DISBURSEMENT
Approved and in your account today
60 Days
REPAYMENT PERIOD
Daily or weekly installments

Who is this for?

Micro and small traders with daily cash turnover who need fast capital to keep their business moving without delays.

Market Traders Kiosks & Dukas Wholesalers Suppliers Food Vendors Petty Traders
Eligibility Criteria
Active business operating for at least 6 months
Business within the branch catchment area
Consistent daily cash turnover
What you get
What you will need
How to get it
  • Borrow between UGX 300,000 and 2,000,000
  • Same-day disbursement once approved
  • Flexible daily and weekly repayment options
  • Repayment period of up to 60 working days
National ID
Active Kray Account
ATM Card
Guarantors
Proof of Business
  • Visit any Kray branch or apply via the Kray mobile app or USSD *217#.
  • Carry your National ID and all required documents listed above.
  • A Kray loan officer will assess your application and guide you through the process.
  • Once approved, funds are disbursed directly to your Kray account — sometimes same day.

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