Business finance
Working capital and growth finance for entrepreneurs, groups and small-to-medium enterprises.
View requirementsFinancial guidance in action
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Trusted financial partner since 2019
Timely finance.
Timely finance.
Lasting progress.
Practical credit and financial guidance for individuals, farmers and growing businesses across Uganda.
8+service locations
2019established
UMRAregulated
Financial solutions designed for
SMEs
Agriculture
Education
Families
Financial solutions
Capital for the moments that matter.
Clear requirements, responsive service and repayment structures aligned to your purpose.
Agricultural finance
Season-aware support for crop production, livestock, equipment and agribusiness.
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Education finance
Timely school-fees support so learning can continue without disruption.
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Personal finance
Practical support for planned needs, family priorities and unexpected expenses.
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Client-firstservice culture
An institution built on trust
Discover our story
Financial inclusion should feel personal.
Since 2019, Kisem Financial Services has focused on accessible, reliable and client-centred solutions that strengthen livelihoods and local enterprise.
Transparent guidanceUnderstand your requirements and obligations before you commit.
Local relationshipsTeams that understand the communities and economies they serve.
Responsible financeSolutions structured around practical needs and sustainable progress.
Simple process
From conversation to decision.
Speak to our team early. We will help you understand the right product and documents.
01
Talk to us
Visit a branch, call or message our team about your financing need.
02
Prepare documents
Provide identification, guarantor and security documents relevant to the product.
03
Assessment
We verify the information and complete a responsible affordability review.
04
Move forward
Review the agreed terms and receive support for your next step.
In our communities
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Our people, our communities
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Growing closer to our clients
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Ideas for better decisions
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Close to your community
Find a Kisem service location.
Visit our teams in Wobulenzi, Kampala, Kapeeka, Kikyusa, Buwambo, Kavule, Semuto, Luweero and Kalagi.
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