Here's exactly what happens, step by step, no surprises along the way.
Pick from any supported currency. We show you the live equivalent in UGX and check it against available system liquidity in that currency before you submit anything.
Your credit tier sets two things automatically: how much you're allowed to borrow (starting at the equivalent of UGX 500,000 for first-time borrowers) and your rate. No security or asset valuation is ever required, at any amount.
Every application requires a guarantor who is not already committed elsewhere. They receive the request and must formally accept joint liability before anything moves forward.
No loan, regardless of size or currency, can be disbursed while guarantor approval is anything other than "approved." This is enforced at the database level, not just in the interface.
Once approved, an administrator authorizes final disbursement. Funds are deducted from the correct currency's capital ledger at the live exchange rate, and your repayment schedule begins.
Submit repayments with a transaction reference; an administrator verifies and reconciles each one. Clear the loan in full and your credit tier advances automatically, your guarantor is released, and you qualify for better terms next time.
Every branch runs on its own subscription - its own currencies, its own member limit, its own books. Priced in GBP.
Max plan pricing is a custom quote, typically discussed once a branch grows past 250 members - growth is never blocked while that conversation happens.
Already a member? Sign in to apply for a loan, put something aside, or back someone you trust. New here? All you need is two members already inside the community willing to vouch for you.