This product is offered to active clients, particularly women with small businesses who don’t have collateral and they are in need of a working

Peer guarantee

• Identification card

This product targets mainly active clients particularly women and youth. These are clients who are graduated from the community bank to join the Solidarity group after finishing a certain number of cycles for them to access a high loan amount

Activity in trading

• Identification Card

Product designed to entrepreneurs with a registered business in need of a working capital to boost their businesses, clients in need of this product should possess a collateral and ready to provide a guarantor. Maximum up to legal ,imit.

Activity in trading

• Identification card

Product designed for clients in need of working capital for clients with emergency of money for finance their tenders or any other urgent need justified by the client.

Activity in trading

• Identification card

Fully secured working capital loan to entrepreneurs with active businesses to all Rwandan registered companies and individuals

• Existing business

• Application letter.
• Project description (customer needs statement) - Financial statement certified.
• Company Registration Certificate/ID copy of the applicant and his guarantor.
• Legal status certificate.
• RRA Tax Clearance Certificate.
• Valuation report of collateral (done by a valuer which has a partnership with UNGUKA Bank Ltd).
• Collateral title (land, factory, car etc) and movable security documents.
• Act of lending property if the collateral doesn’t belong to the borrower.
• Life insurance is mandatory for individuals.
• Fire insurance for house and comprehensive insurance for car (applicable for loan beyond 3 Million).
• Notified Board resolution for companies.
• Bank statements for the last 6 months (if account held with another financial institution).

This is a short to medium term loan granted to customers for purchase of moveable capital assets including agricultural equipment

• Initiated business with equipment needs

• Application letter.
• Project description (customer needs statement).
• Financial statement.
• Company Registration Certificate/ID copy of the applicant and his guarantor.
• Legal status certificate.
• RRA Tax Clearance Certificate.
• Valuation report of the collateral of 100% of forced value (done by a valuer which has a partnership with UNGUKA Bank Ltd).
• Collateral title documents.
• Act of lending property if the collateral doesn’t belong to the borrower.
• Life insurance is mandatory.
• Asset insurance.
• Proforma invoice or Provision sales agreement.
• Notified Board resolution for companies.
• Bank statements for the last 6 months (if account held with another financial institution).

Short term loan allowing the client to continuous withdraw money up to the limit

• Regular income (from: business, livestock, rent, etc...) - Turnover for 3 months equivalent or greater than the requested credit line amount plus interest

• Application letter
• Project description (customer needs statement)
• Financial statement
• Company Registration Certificate/ID copy of the applicant and his guarantor
• Legal status certificate
• RRA Tax Clearance Certificate - Valuation report of the collateral (done by a valuer which has a partnership with UNGUKA Bank Ltd)
• Collateral title documents

Medium and long term facility for acquisition, renovation or construction of residential houses, commercial buildings, schools, medical clinics, etc

• Open account in UB
• Regular income (from: salary, business, livestock, rent, etc...)
• 30 % for other customers

• Application letter
• Company Registration Certificate/ID copy of the applicant and his guarantor
• Legal status certificate - RRA Tax Clearance Certificate
• Valuation report of the property and bill of quantity of remaining work (done by a valuer, which has a partnership with UNGUKA Bank Ltd)
• 34: Construction permit
• Collateral title documents
• Act of lending property if the collateral doesn’t belong to the borrower
• Life insurance is mandatory
• Fire insurance
• Provision sales agreement for purchase
• Notified Board resolution for companies
• Bank statements for the last 6 months (if account held with another financial institution)

Koramuhinzi Agricultural Loans products targets small holder farmers in rural communities, providing them with finance for their farming needs including loans for Inputs,

• Matured groups after 12months of formation
• Repayment frequency: Monthly
• Recomemded by an NGO / Facilitating Agency / Local Authority

• ID cards,
• Group constitution,
• Recommendation from cell phone company

Encourage private sector investment in export oriented production in order to increase availability of goods and services for export.

• Business for export

• Business plan and loan application letter;
• Feasibility study (where applicable);
• Financial report for past three years (existing projects);
• Land title/emphyteutic lease of the project site and securities;
• Bill of quantities of constructions (hard and soft copy) + Perspective (if any);
• Plans of constructions with District stamp (if any);
• Valuation report of securities done by (person recognized by RDB + certified by IPRV);
• Pro-forma invoice of equipment, raw material and materials to be bought; (if any)
• Copies of contracts with service providers related to required financing (if any);
• Rwanda Environment Management Authority (REMA) certificate;
• Rwanda Revenue Authority (RRA) certificate;
• Rwanda Bureau of Standards (RBS) certificate;
• ID of owner or company/Cooperative registration certificate;
• Promoter's contribution of at least 30% of the total cost of the project;
• Payment of service commission (1% of the Loan + VAT).