• 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).

• Open account in UB
• Procurement contract, sub-contract or Purchase Order
• 20% of customer contribution
• Experience in business or in tender execution

• Application letter
• Payment domiciliation in UB
• Company Registration Certificate/ID copy of the applicant and his guarantor
• Procurement Contract, Sub-Contract or Purchase Order
• Legal status certificate
• RRA Tax Clearance Certificate
• Valuation report of the collateral (done by a valuer, which has a partnership with UNGUKA Bank

• Open account in UB
• Procurement contract, sub-contract or Purchase Order
• 20% of customer contribution
• Experience in business or in tender execution

• Project description (customer needs statement)
• Application letter
• 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 who has a partnership with UNGUKA Ban

• 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)

• The IPF will be used to finance all types of insurance policies except medical and life insurance policies.
• The Bank will only finance premiums for insurance policies that are current and continuing or newly written policies.

• A commitment from the insurance company guaranteeing the repayment of the unutilized premium portion in case the customer fails to honor its repayment obligations within a period not exceeding 7 days.
• Upfront payment of first two installments.
• Personal guarantee of the shareholders for the total facility amount plus accrued interests.
• Additional collaterals may be requested depending on the risk profile of the client.

• 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).

Activity in trading

• Identification card

• Existing business

• ID card,
• Patent document

• Agricultural production with innovation in processing, good packaging, export,… Grant accompanied with loan of 6 million to be paid at 12% and direct equity of 1 million.

• Proof of agribusiness project owned by a Rwandan citizen
• Proof that two years were spent after graduation from secondary or university studies
• Cooperative or company registration proof
• Proof that project is at start-up stage with less than one year of existence
• Proof that the project is under combined production and agri-business or agro-processing
• Proof of 10% of total project value owned by owner of the business

• Open account in UB
• Active business (experience for 6 months)
• Loan Security
• The business has to be located in Rwanda

• Project description (customer needs statement)
• Financial statement certified
• Application letter
• 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)
• MICRO WORKING CAPITAL LOAN 21: - 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 - Notified Board resolution for companies
• Bank statements for the last 6 months (if account held with another financial institution