Questions & answers

No. No fees or commissions are required to be served. Enquiries, applications and credit assessment are free.

Company Profile 2026 · page 15, 21

We aim to review complete files within 4 working hours. Review time runs during office hours, Monday to Friday, 8:00 AM to 4:00 PM.

Final approval and disbursement remain subject to verification, accepted terms and completion of all conditions.

Company Profile 2026 · page 19, 21, 23

Four short‑term products: School Fees Loans, Salary Loans, Asset Financing and Business Loans. They share one published range, one interest rate and a maximum six‑month term.

Company Profile 2026 · page 3, 13

The published facility range is UGX 1,000,000 to UGX 50,000,000 for every product.

The approved amount depends on credit assessment and approval.

Company Profile 2026 · page 6, 14

A maximum of six months, for every product. The approved tenure is assessed for each client.

Company Profile 2026 · page 14

2.8% per month, applied across all four products and calculated on the approved principal. Interest is quoted per month.

Company Profile 2026 · page 15

Any processing fee and other applicable charges are disclosed at approval. Every applicable loan fee is listed on a written schedule and applies only after you accept it. There are no hidden charges.

Company Profile 2026 · page 14, 15

The usual starting point is: valid national identification; proof of income — payslips or business records; bank or mobile‑money statements for recent months; business registration documents, where applicable; evidence of the purpose — invoice, fee structure or quotation; security documentation, where the facility requires it; and contact and referee details. More may be requested depending on the product and amount.

If documents are missing, come in anyway. The team will tell you exactly what is outstanding before the file goes to assessment.

Company Profile 2026 · page 20

Security is assessed for each client: acceptable security where the approved facility requires it. For Asset Financing it is the financed asset and/or other approved security; for Salary Loans it is verified income, with security if required; for School Fees and Business Loans it is as required by the facility.

Company Profile 2026 · page 14, 21

Indicative terms at enquiry. Full approved terms at approval, in writing. The repayment schedule before disbursement. Any change to terms in writing.

Interest, any processing fee and other loan charges are explained and accepted before you commit.

Company Profile 2026 · page 15

No. An application does not guarantee a facility. Approved amount, tenure, security and repayment arrangements depend on credit assessment and approval.

Company Profile 2026 · page 6

Individuals and enterprises operating in Uganda; salaried clients with verifiable income; micro and small business owners with a productive need; sole proprietors, companies and registered organisations; clients able to demonstrate capacity to repay; clients who can provide security where the facility requires it; and applicants across urban, semi‑urban and rural Uganda.

Eligibility is assessed on repayment capacity, purpose and security where required — not on the category a client falls into.

Company Profile 2026 · page 17, 20

Biashara holds Money Lending Licence 1451/ML, issued by the Ministry of Finance, Planning and Economic Development. The 2026 reference copy was issued 11 March 2026 and expires 31 December 2026.

Biashara renews its money lending licence every year. To verify the current licence, kindly contact the Board of Directors. See the licence.

Company Profile 2026 · page 24

Monday to Friday, 8:00 AM to 4:00 PM, at Conrad Plaza, Plot 24/25 Entebbe Road, Second Floor, Suite 2, Kampala.

Company Profile 2026 · page 25

Begin your loan request by email at inquiries@biasharafinance.com, or contact the Kampala team on +256 702 634 848 for guidance on the facility and documents required. You can also assemble your loan file online.

Company Profile 2026 · page 19, 25