Your business has the potential to go further. With the dfcu Maali Loan, eligible SMEs can access quick, flexible financing to support growth, manage operations, and take advantage of new opportunities.
Get up to UGX 200M to grow your business.
MAALI LOAN OFFERS
Loans from UGX 10 Million to UGX 200 Million
- First-time borrowers can access up to UGX 50 Million
- Repeat borrowers can access up to UGX 200 Million
FLEXIBLE REPAYMENT PERIOD
Repay your loan over 3 to 12 months.
DESIGNED FOR ESTABLISHED SMES
Available to formally registered businesses including:
- Sole traders
- Partnerships
- Limited companies
WHO CAN APPLY?
You may qualify for a dfcu Maali Loan if your business:
✔ Is formally registered and has a valid trading licence
✔ Has operated for at least 3 years
✔ Has an active dfcu transactional account
✔ Has at least 24 months of banking history, including 6 months with dfcu
✔ Maintains a minimum monthly turnover of UGX 3 Million for the last 6 months
WHY CHOOSE DFCU MAALI LOAN?
Finance That Understands Your Business
At dfcu, we know that business growth requires timely support. The dfcu Maali Loan is structured to provide SMEs with access to funding based on their banking relationship and business performance.
With dfcu Maali Loan, you can:
✔ Strengthen your working capital
✔ Support business expansion
✔ Manage cash flow needs
✔ Take advantage of new opportunities
Get Started today
Get up to UGX 200M to grow your business.
Customer Testimonials
See what dfcu Maali Loan customers are saying about how fast, flexible SME financing has helped them grow their business and manage cash flow.
FREQUENTLY ASKED QUESTIONS
1. Who is the target customer?
Formally registered SME (sole trader, partnership, limited company) with an active dfcu transactional account.
2. Who is this loan best suited for?
Established businesses with sound banking turnover and a need for working capital to support growth, stock purchases, or day-to-day operations.
3. What is the Loan Tenor?
3 to 12 months, with a maximum tenor of 12 months.
4. What is the Minimum Loan amount?
UGX 10,000,000.
5. What is the maximum Loan amount?
UGX 200,000,000.
6. When do I get the money when I apply for the loan?
Your loan application will be approved within 48 hours.
7. My business has never borrowed before. Can I still qualify for dfcu Maali Loan?
Yes. If your business shows consistent turnover, good banking behavior, and meets the eligibility criteria, you’ll qualify and begin building a formal credit record.
8. My business has just started. Can I still apply?
Maali Loan is currently available to businesses operating for at least three (3) years. If you’re still growing toward this milestone, keep banking regularly and building a strong transaction history to position for future eligibility.
9. Is dfcu Maali loan only for businesses facing cash-flow challenges?
No. Many successful businesses use it to purchase stock, fulfil larger orders, pay taxes, or take advantage of growth opportunities.
10. My business is seasonal, can I qualify?
Yes. The bank recognizes seasonal income patterns; assessment focuses on overall cash-flow strength and repayment ability.
11. How can Maali loan help my business in the long term?
Responsible borrowing and repayment can strengthen your credit profile and improve access to larger financing solutions as your business grows.
12. Can I access more financing if my business performs well?
Yes. Businesses with strong repayment records may become eligible for larger facilities or additional funding.
13. Why does my repayment history matter?
It demonstrates your ability to manage financial commitments responsibly and can strengthen your financing profile for future borrowing.
14. I don't have land or property to use as security. Can I still get dfcu Maali loan?
Yes. dfcu Maali Loan does not require security — your banking is the security. Eligibility is based on banking history, business performance, and cashflow.
15. Can I apply for another loan before fully repaying my current one?
Yes. Once you’ve repaid for at least 6 months, or repaid at least 25% of the loan amount, you qualify for a loan top-up.
16. I currently don't have a bank account with dfcu bank, can I apply for the loan?
Open a Business account with dfcu bank and keep it active by transacting regularly, to build the banking history needed to support your loan application.
17. How do I get a dfcu Maali Loan?
SMS “Maali” to 8777, or call 0800 222 000 (toll-free). You can also email customercare@dfcugroup.com or visit your nearest dfcu Bank branch to speak with a Business Banker.