Who Can Apply

You can apply if:

• You own a registered private school (Certified or with Permission to Operate)
• You are the Proprietor / Owner of the school
• The school has been operating for at least 1 year
• Where there are more than 3 shareholders, a Resolution to Borrow is required

What You Can Use the Loan For

This loan supports a wide range of school needs:

• Working capital – school fees gaps, salaries, utilities, food
• Infrastructure upgrades – classrooms, dormitories, water systems
• Learning materials & equipment
• Term preparation and marketing expenses
• Transport – school vans or trucks

Required Documentation

School Ownership & Registration

• Proof of school ownership
  (URSB documents, Municipal License, Inspection Report)
• Ministry of Education Certificate / Permission to Operate
• ECD License (for Nursery Schools)
• Recommendation from the District Education Officer (DEO)

School Operational Proof

• School fees collection receipts
• Circulars / curriculum documents
• Admission forms or related school records

Financial Records

• School bank statement or mobile money statement
• School pay statement (where applicable)
• Evidence of school fees mobile money collections
• Signed consent to deposit funds into the school account

Governance (Where Applicable)

• Resolution to Borrow (for schools with multiple directors)
• At least 1–2 directors to guarantee the loan

Loan Terms

• Minimum: 1 school term
• Maximum: 9 school terms
• Minimum: UGX 2,000,000  Maximum: UGX 100,000,000

Repayment

Repayments are structured around school term cash flows, allowing you to pay when fees are collected.

Why Choose This Loan

• Designed around school income cycles (termly)
• Helps manage fee collection gaps and budgeting needs
• Supports smooth school operations and growth