Microfinance Company for Sale in Uganda

The business’s top-selling products include working capital loans, asset financing, education loans, mobile microloans, green energy loans, and bundled insurance services.
These offerings cater primarily to underserved populations such as small and medium-sized enterprises (SMEs), informal traders, rural households, women-led businesses, and low-income individuals across Kenya and Uganda.
Clients use working capital and asset loans to grow their businesses and acquire productive assets, while education loans support school continuity for children. Mobile microloans provide instant liquidity for daily needs, and green energy loans enable off-grid households to access solar solutions. Insurance products—often bundled with loans—enhance financial resilience by covering health, life, and asset risks. Access is facilitated through a hybrid model of physical branches, mobile platforms, and agent networks, ensuring both reach and convenience. Tangible assets.
• Physical infrastructure:
• Leased office facility with 1,000 sq. meters of built-up area across two floors.
• Furnished workspaces, meeting rooms, and customer service areas.
• Technology & equipment:
• Computers, servers, mobile devices, and networking hardware.
Vehicles & office assets:
• Company vehicles used for field operations and client servicing.
• Office furniture, fixtures, and branded material.
Intangible assets:
• Licensed software systems for loan management, CRM, and accounting.
• Branch & agent network:
• Operational branches in Kenya and Uganda.
• Established agent network for last-mile service delivery.
• Loan book:
• Active loan portfolio across working capital, asset financing, education, and green energy segments.
• Performing loans with repayment history and client data. The business operates from a well-established physical facility comprising a built-up area of 1,000 square meters spread across two floors. The premises are leased, with a long-term rental agreement in place to ensure operational stability. The facility houses the company’s administrative offices, customer service center, and regional operations hub. It is strategically located to support both urban and peri-urban outreach, with proximity to key transport and commercial corridors. The lease terms are favorable, supporting cost efficiency while allowing room for future expansion. The business is currently funded through a combination of equity and debt financing. It has secured USD 3.5 million in debt, primarily from local and regional financial institutions, which is actively being serviced. These loans support the expansion of the loan book and working capital needs. The company maintains a healthy debt-to-equity ratio, with strong repayment discipline and collateralized lending practices.
Ownership is held by two shareholders:
• Shareholder A: 60% equity stake.
• Shareholder B: 40% equity stake.
Both shareholders are open to dilution and strategic partnerships, with one willing to fully exit as part of the proposed 80% equity sale. This structure offers incoming investors a clear path to majority control and operational influence.