Our Loan Products
Short-term trade finance for Ugandan SMEs
Why Choose Adullam Capital
Built for how Ugandan businesses actually operate
Fast Approvals
Streamlined application with dedicated relationship managers who understand trade finance.
Transparent Terms
Clear fee structure — normal interest, portfolio fees, and penalty rates disclosed upfront.
Flexible Tenors
Repayment terms from 1 to 24 months, matched to your business cycle and cash flow.
Multiple Disbursement Channels
Receive funds via Stanbic bank transfer, mobile money, or USDC/USDT stablecoin.
Loan Products
Five trade finance products designed for Ugandan SMEs
Contract / LPO Financing
Fulfil purchase orders with confidence
Receivables Financing
Turn outstanding invoices into working capital
Import Tax Financing
Clear goods at the border without delay
Supplier Top-ups & Stock Financing
Restock inventory and pay suppliers on time
Commodity Financing
Finance commodities across the value chain
Loan Terms at a Glance
Compare products by tenor, collateral, and disbursement method
| Product | Available Tenors | Accepted Collateral | Disbursement |
|---|---|---|---|
| Contract / LPO Financing | 1 – 24 months | Contract assignment, Real estate, Equipment, Inventory | Bank, Mobile Money, USDC/USDT |
| Receivables Financing | 1 – 24 months | Assigned receivables, Real estate, Securities | Bank, Mobile Money, USDC/USDT |
| Import Tax Financing | 1 – 6 months | Imported goods, Warehouse receipts, Real estate | Bank, Mobile Money, USDC/USDT |
| Supplier Top-ups & Stock | 1 – 12 months | Inventory, Equipment, Real estate | Bank, Mobile Money, USDC/USDT |
| Commodity Financing | 1 – 12 months | Warehouse receipts, Commodity stock, Real estate | Bank, Mobile Money, USDC/USDT |
Interest rates are determined based on your business profile, loan amount, and tenor. All fees are disclosed before you sign your loan agreement.
Eligibility Requirements
What you need to apply for trade finance
Business Requirements
- Registered Ugandan company (LLC, Partnership, or Sole Proprietorship)
- Operating business with verifiable revenue
- Satisfactory CRB (Credit Reference Bureau) report
- Nominated guarantor who can confirm the guarantee
- Eligible collateral (real estate, vehicle, equipment, inventory, or securities)
Required Documents
- Valid government-issued photo ID (National ID, passport, or driving permit)
- Passport-sized photograph
- Certificate of Incorporation or business registration
- Board Resolution authorising the loan application
- Annual Returns filed with URSB
- Audited or management financial statements
Application Process
From application to disbursement in four stages
Apply Online
Submit your application with company documents, collateral details, and financial statements.
Guarantor Verification
Your nominated guarantor reviews the application and confirms the guarantee.
Review & Approval
Our relationship managers and loan committee assess and approve your facility.
Disbursement
Funds sent via Stanbic bank transfer, mobile money, or USDC/USDT stablecoin.
Frequently Asked Questions
Common questions about our trade finance products
Still have questions?
Ready to apply for trade finance?
Get the working capital your business needs. Apply online and our team will guide you through the process.
Start Your Application Now