Business Loans
Grow your business with fast, flexible financing. Up to UGX 50M, approved in 48 hours, no collateral needed for amounts under UGX 5M.
Fast Approval, Real Growth
From application to approval
Maximum loan amount
Approval rate for qualified SMEs
Choose Your Loan Type
Working Capital Loans
Cover operational expenses, pay suppliers, manage cash flow gaps.
Equipment Financing
Buy machinery, vehicles, computers, or other business equipment.
Inventory Loans
Stock up for high season, buy inventory in bulk, get better supplier rates.
Why Zimba Business Loans?
No Collateral (Under UGX 5M)
Small loans approved based on business performance and guarantors.
Flexible Repayment
Monthly, quarterly, or seasonal payments. We adapt to your cash flow.
Fast Disbursement
Money in your account within 48 hours of approval. No waiting weeks.
Build Business Credit
Repay on time, get access to larger loans at better rates.
Dedicated Support
Personal loan officer to help with application and answer questions.
Application Requirements
For Loans Under UGX 5M:
- ✓ Active Zimba business account (3+ months)
- ✓ Business registration documents
- ✓ 6 months bank statements
- ✓ 2 business guarantors
- ✓ Business plan or proposal (1 page)
For Loans UGX 5M - 50M:
- ✓ All of the above, plus:
- ✓ Collateral (property, vehicle, equipment)
- ✓ Financial statements (last 2 years)
- ✓ Tax compliance certificate
- ✓ Business valuation report
How to Apply
- 1
Fill online application (15 minutes)
- 2
Upload required documents
- 3
Loan officer reviews (24-48 hours)
- 4
Get approval & sign agreement digitally
- 5
Receive funds in your account!
Success Stories
"Got UGX 3M for inventory in 48 hours. Sales increased 40% that month. Best decision for my shop."
- Sarah M., Retail Store Owner
"Equipment loan helped us buy new printing machines. Now we handle 3x more orders. Revenue doubled."
- David K., Printing Business