Years of service
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About UMF
Empowering individuals and businesses since 2008
Uganda Microcredit Foundation Ltd (UMF) is an indigenous microfinance institution incorporated in 2008. As a proud member of the Association of Microfinance Institutions in Uganda (AMFIU), UMF is dedicated to transforming lives through accessible and reliable financial solutions.
Small Loans, Big Dreams
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Loan Products
Pay without worry, trust we won’t make you sorry
At Uganda Microcredit Foundation, our purpose goes beyond providing loans — we are driven by a commitment to empower communities and fuel sustainable growth.
Our mission and vision guide every decision we make and every life we aim to uplift.
Our Vision
To be the champion of the socio economic transformation of the small and medium enterprises in Uganda.
Our Mission
To offer inclusive financial and non-Financial services to small and medium enterprises in rural and urban areas of Uganda, through well designed customer tailored products in order to facilitate economic growth and development.
What We Offer
Money When You Need It Most.
UMF provides micro and medium credit financing to individuals, SMEs, groups, and corporations. Our services are tailored to meet the unique needs of clients who may not have access to traditional banking services, especially those in the informal sector.
Superfast Loans
Get instant access to credit when you need it most. Our Superfast Loans are designed for speed and convenience, with minimal paperwork and disbursement in under 24 hours via mobile money.
Emergency Loans
Unexpected expenses? Our Emergency Loans provide quick relief for urgent financial needs like medical bills, school fees, or short-term working capital—ensuring you’re always covered when life surprises you.
Agricultural Loans
We support Uganda’s farmers through financing solutions designed to boost agricultural productivity. Whether you need capital for seeds, equipment,…
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Ready to Take the Next Step? Let UMF Empower You!
Whether you’re a small business owner, a parent preparing for a new school term, or a farmer planning your next season — UMF is here to support your journey with fast, flexible, and reliable loan solutions.
ITS EASY TO GET A LOAN
Choose the Right Loan Product
From Superfast Loans to Agriculture Loans , we help you pick what fits best.
Submit the Required Documents
Bring a valid ID, proof of income or business activity, and any supporting documents
Get Approved in 24 Hours
We process loans quickly so you can access funds when you need them most.
Get Your Cash
Get your money in 24 hours to either your bank account or mobile money after approval.
Testimonials
What Our Clients Say About Us
At Uganda Microcredit Foundation, our clients are at the heart of everything we do.
Hear how our flexible financial solutions have transformed lives and businesses across Uganda.
School fees were sorted just in time thanks to UMF. The service was prompt and hassle-free—I highly recommend them to parents.
Joan T. – Parent, Gulu
UMF believed in my business idea when others didn’t. Their support helped me start small, grow steadily, and dream even bigger.
Isaac M.Entrepreneur, Fort Portal
Getting emergency funds from UMF was stress-free and fast. Their support helped me manage a difficult time with peace of mind.
Peter OCivil Servant, Kampala
Our women’s group accessed funding without collateral, and the training helped us grow. UMF truly believes in community development.
Amina BGroup Chairperson, Mbale
The quick loan approval and flexible repayment terms made it easy for me to restock and grow my retail business confidently.
Sarah N. – Retail Business Owner, Mbarara
UMF understood my farming cycle and provided financing that perfectly matched my seasonal needs. It’s a dependable partner for any farmer.
Joseph KFarmer, Masindi