Whether you are a civil servant, a member of a women's group, a small business owner, a corporate supplier, or simply need emergency funds before your next payday, Pico has a loan product structured around your actual income and circumstances.
Life does not wait for payday. Our Payday Loans give employees of partner firms fast access to up to 40% of their Net Pay, ideal for emergencies, school fees, medical expenses, or any urgent personal need. Repayment is deducted directly at source from your next salary, making it truly stress-free with no chasing, no penalties, and no surprises.
| Amount | Up to 40% of Net Pay |
| Term | 1 to 3 months |
| Disbursement Speed | 24 to 48 hours |
| Eligible Uses | Emergencies, education, medical, personal |
Do not let unpaid invoices hold your business back. Pico Invoice Financing releases up to 80% of your verified invoice or Local Purchase Order (LPO) value immediately, so you can keep operations running while waiting for your clients to pay. Ideal for government contractors, NGO suppliers, and corporate vendors facing long payment cycles.
| Coverage | Up to 80% of invoice or LPO value |
| Repayment Timeline | 30 to 90 days |
| Ideal Clients | Government, NGO, and corporate suppliers |
Our group lending model brings women together in rural and peri-urban communities, combining access to capital with peer accountability, financial literacy training, and a supportive business network. Each group cycle, members can grow their borrowing capacity as their businesses mature, creating a sustainable path toward financial independence.
| Group Size | 5 to 30 registered members |
| Loan per Member | UGX 100,000 to 2,000,000 |
| Repayment | Weekly with peer guarantees |
| Additional Benefit | Financial literacy training included |
Running a business in Uganda takes grit, and sometimes it takes capital. Our SME loans give small and medium-sized business owners the working capital they need to restock, expand, buy equipment, or manage seasonal cash flow gaps. Our loan officers understand business realities in Uganda and will work with your cash flow cycle to structure a repayment plan that works.
| Loan Size | UGX 2,000,000 to 50,000,000 |
| Term | 3 to 12 months |
| Purpose | Restocking, equipment, cash flow management |
| Security | Collateral Security required |
| Eligibility | Registered SME business owners |
Designed specifically for permanently employed government workers. Pico Civil Servant Loans are recovered automatically through ministry payroll partnerships, so you repay effortlessly every month without missing a payment. Whether you need to build a home, pay school fees, cover medical bills, or invest in a side business, our Civil Servant Loan gives you the financial breathing room you deserve.
| Loan Amount | UGX 500,000 to 30,000,000 |
| Repayment Term | 6 to 36 months |
| Repayment Method | Automatic payroll deduction |
| Eligibility | Permanent government employees |
Talk to one of our loan officers today. We will help you choose the right product, understand your options, and get you started.