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Provision of Working Capital

Supports Micro Small and Medium Enterprises (MSMEs) through eligible Tiers II, III and IV financial institutions and Micro Finance Institutions (MFIs) to enable them to restart or continue their operations’ critical units in funding the link between producers with aggregators, processors, and distributors. Within this broader target, this product has an additional focus on refugee hosting communities. Participating Money Depositing Intistutions MDIs, Microfinance Institutions (MFIs) and Savings and Credit Cooperative Organizations (SACCOs) will be eligible for the line of credit upon satisfactorily undergoing due diligence under the project. The line of credit provided is expected for up to18 months with a repayment schedule of three equal instalments every six months.

Eligibility Criteria

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  • Be a medium, small or micro enterprise under Uganda’s MSME Policy
  • Preferably operate as part of the following value chains:
    - Manufacturing; Agro-processing;
    - Digital/ICT;
    - Warehouse and logistics (that is, land, road and rail] transport), Manufacturing Hubs, Incubators, Accelerators, IPs, SME Centres, etc.;
    - Involvement in medical and pharmaceutical supply chains;
    - Involvement in export supply chains Involvement in PIMA strategic commodity supply chains (cassava, maize, cotton, tea, coffee, beef, dairy, fish, oil palm)
  • Operation in the preceding value chains is certified by selling -locally or via exports- to a company in any of those sectors
  • Be preferably in a refugee district, be in districts related to the new growth triangle
  • The client shall not be a shareholder, owner, employee or related in any way to the MFI
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To qualify for participation under this product, the financial institution must:

  • Be a financial institution regulated by BoU (Tier II, III or IV) or Uganda Microfinance Regulatory Authority (UMRA)
  • Be in full compliance with the regulatory requirements of its regulator
  • Have been in operation for over 24 months before applying to the line of credit
  • Be current on its obligations, except in the case of forbearance in the form of deferred payments resulting from loan restructuring requested between April 1st 2020 and April 1st 2023
  • Have sound asset quality, with a Portfolio At Risk (PAR) of not more than 10%, including prior year write-offs
  • Prove that it made operating profits in the two years prior to application as per its audited annual financial statements. Institutions with no operations in the two years before the application are not eligible
  • Pass the minimum benchmark for soundness as will be adopted from the BoU inspection reporting guidelines
  • The FI shall not use the liquidity line to benefit any client that is a shareholder of the FI, or which is owned by an employee or employees of the FI or by a party related to the FI
  • FI’s commitment to compliance with the environmental and social requirements. PFIs must have an ESMS compliant with the INVITE Trust ESMF and requirements in the ESCP

The INVITE Project adheres to the principle of Inclusive and Non-discrimination, and maintains a productive work environment that is free from discrimination, exclusion, or harassment of any sort. For any case, please report to this number: 0800 333 125

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  • Plot 43, Nakasero Hill Road,
    Kampala, Uganda
  • Tel: +256 312214600
  • info@invite.go.ug

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