Company Profile 2026

Front matter · p. 02

Document information

About this document

This profile sets out who Biashara Trading Company Limited is, the short‑term credit products it offers, and the standards it applies when assessing an application. It is organised in three parts — the company, what it offers, and how it works — followed by a licensing appendix and contact details.

A note on accuracy

Every figure in this profile — the facility range, the interest rate, the maximum term — is the standard published term in force at the edition date above. Individual client terms are confirmed in writing at approval and may differ from these figures.

Front matter · p. 03

Executive summary

Biashara Trading Company Limited is a Kampala‑based lender providing short‑term bridge financing to eligible individuals and enterprises across Uganda. Incorporated in 2014, the company helps clients close temporary cash‑flow gaps without unnecessary delay. Four products — school fees, salary, asset finance and business loans — share one published range, one interest rate and a maximum six‑month term. Every facility is assessed responsibly, with charges disclosed and accepted before commitment.

Speed is only valuable when it is paired with discipline. Every facility Biashara approves is one it believes the client can comfortably repay.

Part One · The company · p. 06

01 · At a glance

What we do

Short‑term bridge financing for eligible individuals and enterprises, helping clients close temporary cash‑flow gaps within a maximum six‑month term. Each file is assessed carefully and charges are disclosed before commitment.

Where we work

Urban, semi‑urban and rural Uganda, served from a single Kampala office so that decisions stay close to the people who make them.

Every facility is assessed. Approved amount, tenure, security and repayment arrangements depend on credit assessment and approval. An application does not guarantee a facility.

Part One · The company · p. 07

02 · About Biashara

Biashara Trading Company Limited was incorporated in 2014 to provide accessible, short‑term bridge financing for the growing Ugandan market.

The company started as an SME focused on faster access to credit in a convenient, client‑friendly environment. Its ambition is to develop from a money‑lending business into a microfinance institution and, over time, a broader financial‑services provider.

That ambition has not changed how it works day to day. Speed is combined with transparent communication, disciplined assessment and personal service — the same file standards applied to every client, whoever they are.

The ambition, in order

1. Money‑lending business — officially incorporated in 2014
2. Microfinance institution — the stated vision
3. Financial‑services provider — broader, over time

Managing Director: Modest Rutagengwa

Part One · The company · p. 08

03 · Vision, mission & quality

Our vision

To become a microfinance institution serving a fast‑growing mass market.

Mission statement

To provide reliable, transparent and sustainable financial solutions that help entrepreneurs transform viable ideas into profitable success.

Quality statement

We deliver responsive service, communicate approved terms clearly and apply disciplined assessment so that lending decisions remain practical, responsible and sustainable.

Part One · The company · p. 09

04 · Our core values

Five commitments that decide how a file is handled — before, during and after approval.

Operating objectives

Biashara’s operating objectives combine client access with a sound credit culture: careful assessment, low delinquency and sustainable operations. The company serves eligible clients across urban, semi‑urban and rural Uganda, subject to its operating capacity and approved requirements.

Part One · The company · pp. 10–11

05 · Leadership & organisation

Governance, executive leadership and specialist support.

The Board provides oversight; the Managing Director leads day‑to‑day operations. Specialist partners advise on finance, systems and people.

Departments: Credit · Accounts · Operations · Support.

Specialist portraits reconstructed from supplied references.

Part Two · What we offer · p. 13

06 · Our loan solutions

Our main purpose is short‑term bridge financing for temporary cash‑flow gaps. Four products support education, salary, asset and business needs, with a maximum term of six months.

Part Two · What we offer · p. 14

07 · Product matrix

Figures shown are the standard published terms; final approved terms follow assessment.

Part Two · What we offer · p. 15

08 · Terms & charges

What a facility costs, how it is communicated, and what is never charged.

All charges scheduled & accepted. We have no hidden charges. Every applicable loan fee, including any processing fee, is listed on a written schedule and applies only after you accept it. Access to service, application and credit assessment require no fees or commissions.

Part Two · What we offer · p. 16

09 · Financing in action

Short‑term credit is only useful if it lands somewhere productive. These are the two places it most often does.

Part Two · What we offer · p. 17

10 · Who we serve

Eligible clients across urban, semi‑urban and rural Uganda. All facilities remain subject to assessment and approval.

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

Part Three · How we work · p. 19

11 · How we lend

A four‑step path. Every application follows the same sequence, whoever the applicant is.

Your deadline matters. We handle complete files promptly and work towards your target date. Review time runs during office hours. Final approval and disbursement remain subject to verification, accepted terms and completion of all conditions.

Part Three · How we work · p. 20

12 · Eligibility & documents

Assessment moves faster when the file is complete. These lists are the usual starting point; more may be requested depending on the product and amount.

Part Three · How we work · p. 21

13 · Credit assessment

Every file is measured against the same five standards, in the same order, whoever the applicant is.

Office hours apply. Final approval and disbursement follow all required checks and conditions.

Part Three · How we work · p. 22

14 · Responsible lending

Lending that can be accounted for — documented, disclosed and confidential.

Part Three · How we work · p. 23

15 · Why choose Biashara

Fast service that respects your time, backed by transparent terms, sustainable cash flows and responsible lending.

In one line. Your time matters. Your goals matter. A four‑working‑hour review is our service target for complete files during office hours. Final approval and release of funds depend on verification and fulfilment of all conditions.

End matter · Appendix A · p. 24

A · Money lending licence

Documentary evidence of licensing, with annual renewal and direct verification of the current licence.

These dates relate to the certificate reproduced in the profile. See the reference copy.

The reference copy shown is the 2026 certificate. To verify the current licence, contact the Board of Directors.

Annual renewal & verification. Biashara renews its money lending licence every year. To verify the current licence, kindly contact the Board of Directors.

End matter · p. 25

16 · Contact us

Start your loan enquiry by email, or contact our Kampala team for guidance on the facility and documents required. We help you prepare a complete application.

“Turning your financial challenge to simplicity.”