The CenteSupawoman GROW Loan exists to increase access to working capital loans to female entrepreneurs to grow their enterprises from micro to small and from small to medium-sized businesses.

Loans can be processed throughout all districts, cities, and municipalities of Uganda.

Women entrepreneurs who own micro, small and medium enterprises as individuals or majority shareholders of SMEs. Special groups like Refugees, PWDs, the Tepeth, Ik, Benete, and the Batwa, and areas needing developmental support i.e., Bukedea, Busoga & Karamoja are also eligible.

An enterprise in which a woman/women own(s) at least 51% of the business shares.

The Loan comes with the following benefits: a. Flexible security/collateral (from guarantors, market receipts to land titles). b. 8.5% for special groups and 10.5% for all women computed at a declining balance. c. Free technical support like business registration. d. Free entrepreneurship, mentorship skills & networking events. e. Free financial literacy training. f. GROW bonus from 5% to 10% for well-paid loans for at least halfway the loan period. g. Supawoman GROW Loan is not limited to any sector but supports women from all sectors. h. Grace periods are provided where applicable. i. No application and processing fees.

Yes. Provided they own a business and are legally recognized by the Government of Uganda and own a functioning business.

i. Visit any Centenary Bank Branch ii. Visit our website; www.centenarybank.co.ug

a. Ethnic minorities including the Batwa, Tepeth, Ik, and Benet. b. Persons with Disabilities (PWDs) as defined by the Disability Act 2020 as classified below: i. Physical disability caused by cerebral palsy, amputation of a limb, paralysis, or deformity; ii. Hearing disability, including deafness and hard of hearing disability; iii. Visual disability including blindness and low visual disability; iv. Deaf and blind disability; v. Mental disability including psychiatric disorders; vi. Little people, albinism, multiple disability Refugee, registered with the government of Uganda. For the GROW loan, women enterprises located in Busoga, Bukedi and Karamoja sub-regions will access loans at a lower interest rate.

The CenteSupawoman GROW Loan aims at supporting women enterprises which ultimately benefits households including men. Men who are employees or shareholders of women-owned enterprises will indirectly benefit in the Project.

The Loan supports both formal and informal businesses (registered and unregistered) that are owned by women.

No, the loan is available to individual women entrepreneurs and enterprises owned by women, not groups.

The CenteSupawoman GROW loan amount minimum is UGX 4m and maximum is UGX 200m. The amount given is based on the bank assessment criteria.

• The CenteSupawoman GROW loan is specifically for women in business while the Supawoman account can be opened and run by any woman, including Start-up businesses, whether male or female-owned. • The CenteSupawoman GROW loan attracts a very low interest rate of 8.5% and 10.5% and offers grace periods for payment unlike loans procured under the Supawoman account.

The CenteSupawoman GROW Loan repayment period is a maximum of 24 months.

• Every applicant should have a Centenary Bank account. • Have ongoing business activity. • Title deed or other asset(s) being offered as security with a valuation report (dated within 4 years of the application date), done by Bank-approved valuers. • Site visit reports and valid licenses for the business. • Loan guarantors (personal or corporate) are required.

No. Loan substitution is forbidden. A CenteSupawoman GROW Loan can only be accessed as a new loan.

There are no loan processing charges. However, there are applicable charges such as valuation of security, mortgage registration, insurance, and fees for Credit Reference Bureau which have to be paid by the borrowers.

Enterprises that are high risk in nature and those that have significant negative impact on the environment and society, such as charcoal burning, sports betting and gambling, production of wood and other forestry products not sourced from sustainable forests, activities on disputed land, production of pesticides, and trade in wildlife products.

Yes. You can get the loan as long as you are not servicing the same product and as long as you have the capacity to pay the additional loan.