STEP 01
Investment
Flexible micro-investments of $15–$500 for women entrepreneurs with demonstrated trading history and growth potential.
Transforming lives through investment
Empowering Uganda's
Empowering Uganda's
women entrepreneurs
We provide dividend-based micro-investments to businesses the banking system overlooks — no collateral, no paperwork barriers, repayment aligned to real cash flow.
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Businesses supported
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Women-owned enterprises
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Monthly dividend returns
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Capital deployed
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Active engagement rate
The gap we close
Proven businesses, systematically denied capital
Over 80% of women-owned businesses in Uganda operate informally — excluded from traditional financing despite consistent revenue and repayment discipline.
The challenge
- Banks require collateral and formal documentation few can produce
- Limited property ownership rights make collateral lending impossible
- Cultural bias restricts access to male-dominated financial networks
- No formal registration means no access to conventional investment
- Existing microfinance imposes punitive rates and rigid repayment
Our solution
- Dividend-based micro-investments from $15 to $500
- No collateral requirement and no formal documentation needed
- Payment schedules that flex with business cash flow
- Mentorship, financial literacy training, and operational support
- Assessment on cash flow, community standing, and character
How it works
Four steps from capital to compounding returns
A model built for the informal sector — and consistent enough to deliver predictable monthly returns to our investors.
STEP 02
Support
Business development mentorship, financial literacy training, and peer networks that turn capital into capability.
STEP 03
Growth
Entrepreneurs expand inventory, improve operations, reduce spoilage, and create jobs within their own communities.
STEP 04
Returns
Monthly dividends of 5–10% deliver sustainable returns while entrepreneurs build toward full financial independence.
Entrepreneur spotlight
Janet Nakato, Fresh Produce Market — Jinja
Janet ran a small produce stand with three vegetable varieties and no way to keep stock fresh. A $200 investment let her widen her range and buy a refrigerator — cutting spoilage to almost nothing. She now runs one of the strongest produce businesses in her market.
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Revenue growth
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Jobs created
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Product varieties
Read Janet's full story“Before Prograte I lost so much inventory to spoilage, and banks wouldn't help me because I had no collateral. Now I have a refrigerator, a wider variety of products, and I've hired three people from my community. My children are in better schools, and I'm saving to open a second location.”
Janet Nakato — Fresh Produce Market, Jinja
Our approach
An investment model built for the informal sector
Two decisions separate us from conventional lending — and both are why our portfolio performs.
Dividend-based, not debt-based
Rather than rigid loan repayments, entrepreneurs pay a monthly dividend of 5–10% of invested capital. Returns stay sustainable, and payments move with the natural cycles of the business instead of against them.
No collateral required
We removed the single barrier that blocks most women from formal finance. Assessment runs on cash-flow patterns, community reputation, and character — opening the door to entrepreneurs the system has always turned away.
Capital paired with capability
Every investment comes with financial literacy training, record-keeping systems, and one-to-one mentorship — the difference between a business that survives a season and one that grows for years.
Embedded in the community
Our officers work from Jinja, Matugga–Kampala, and Busia — in the same markets as the businesses we back. Proximity is what makes character-based assessment reliable at scale.
Our story in motion
See the work where it actually happens
Markets, salons, tailoring shops and produce stalls across eastern Uganda — and the women running them.
Real impact
How our investments create durable change in the communities we operate in.
Success stories
Entrepreneurs describing, in their own words, what changed for them.
Our vision
The mission behind the model and where we're taking financial inclusion next.
Get started
Ready to grow your business — or fund one?
Applications take about ten minutes. Investors can request our current portfolio performance summary.