Financial Services
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You can now get simplified and modified loan products from us to suit your needs. We give you a range of options, and you can apply for and receive a loan within one or two working days. You can get a fixed deposit product that earns you competitive interest income. You can also get your transaction solutions such as agency banking, mobile money and money transfer with us. Whether you want to send money locally or abroad. Don’t look any further – We have these solutions in one house now…
What we offer
Money Lending
Overview
DSF extends credit to individuals and institutions with the expectation that the full amount of the loan will be repaid. Interest will be earned which is charged at a specific percentage of the total amount of the loan extended to the borrower. Our loan repayment occurs in installments such as weekly, monthly or lump sum at a l ater date. The company also offers a fixed deposit product where a customer’s deposits are fixed at an attractive interest rate for an agreed period, with no withdrawals before the period elapses. Our products can be used for various purposes such as financing working capital, personal or business consumption
Overview
Our personal Loans provide clients with the opportunity to take a flexible loan at competitive interest rates with or without the need of collateral security. Our personal Loan has no hidden charges and no restrictions regarding the use of the money, cash can be used for medical treatment, education, purchase of assets, financing a start-up business or any legally productive venture. The employer guarantees to make salary deductions to cover the loan installments throughout the loan term. The loan term is determined by the life of the client’s source of income.
Product features
- Minimum loan amount of UGX 50,000 and maximum of UGX 1,000,000
- A dedicated loan officer
- Fixed interest rates
- Affordable loan processing fees
- Manageable repayment installments
- Flexible loan top up terms.
Benefits
- Loan repayment periods of up to 6 months
- Loan processed within 24 – 48 hours
- Friendly Interest rates charged
- Access to your account using a transaction wallet
- Access to agency banking and mobile money
- Receipts issued and wallet updated on every loan transaction made on the account.
Requirements
- A current or Savings account with a commercial bank
- A completed loan application form
- To be a regular income earner (salary or pension)
- To be a resident in the branch’s area of operation
- Source of income should have existed for at least a year
- At least 2 months bank statement
- A copy of the appointment letter
Overview
The product targets micro entrepreneurs with no collateral of their own. These entrepreneurs join into solidarity groups and co-guarantee each other. The groups have a minimum of 3 individuals and a maximum of 5 individuals of which at least 80% must be female. All members of the group should be operating small and micro enterprises. The purpose of the loans is to finance day to day operating costs of the customer’s existing business. This includes the financing of current assets, especially working capital.
Clients who have started with this product and yield a positive progress business report shall be graduated to acquire individual loans after a given period of time. This loan is provided to groups of entrepreneurs with valid individual businesses.
Product features
- Minimum loan amount of UGX 300,000 and Maximum loan amount of up to UGX 2,500,000.
- A dedicated loan officer
- Flexible loan term repayment plan.
- No collateral needed.
- Guarantor ship from group members.
- Loan installments can be conveniently done through your mobile money & agency banking.
- Flexible loan term of up to 6 months.
- The loan is delivered within 3 working days from the date all applications are received.
Benefits
- It is for group (both men and women).
- No hidden charges.
- Fast Processing of loans
- Members are able to meet weekly, Bi-weekly or Monthly for loan payment.
- There are business trainings offered to clients.
Requirements
- Form or join a group of 3-5 entrepreneurs.
- Individuals must have valid businesses that have been operating for at least 6 months.
- Applicants must be at least 18 years old and each must have a valid ID card.
Applicants must have letters of recommendation from the LCI of their place of residence
Overview
Micro-business loans are short-to-medium term business loans targeting micro business enterprises or individuals in need of flexible financing. These Micro Business Loans have flexible repayments and can be used to restock businesses, purchase business assets like; motor vehicles, motor cycles, grinding mills and other equipment. In addition, they can be used to pay taxes, rent and other business utilities.
Product features
- Minimum loan amount of UGX 100,000 and Maximum loan amount of up to UGX 3,000,000.
- Interest is charged on a fixed rate
- Minimum loan period of 3 months and Maximum loan period of 6 months
- A dedicated loan officer
Benefits
- Fast and easiest way to access business funds.
- Affordable for low-income earners
- Informal loan security accepted
Requirements
- Applicant must be 18 years and above
- Hold a Current or Savings with a commercial bank.
- Completed loan application form.
- Payment of loan processing fees.
- Payment of insurance fees
- Inspection of collateral.
- Security can be fixed and/ or movable assets.
- Guarantors can either be personal or corporate.
- Applicant must be resident within the branch’s designated area of operation.
- There must be at least 6 months on-going business activity
- Possession of proof of business preferably trading license
- Two guarantors
- Possession of an acceptable form of collateral
This is a product where a customer’s deposits are fixed at an attractive interest rate for an agreed period, with no withdrawals before the period elapses. Interest income will be forfeited for cash withdrawals made before maturity period.
Product features
- Minimum amount to be fixed is UShs.300, 000; the maximum amount is open.
- Whole deposit has to be held on account till maturity.
- No regular fees or charges.
- The account holder may personally not make cash withdrawal before maturity.
Benefits
- Account earns interest at a rate of 10% per annum
- Account can be used as cash collateral/security for loans
- Renewable on maturity of 3, 6 and 12 months, with competitive interest rates
- Interest rates payable to account holders are negotiable
Requirements
- Passport size photos.
- Valid identification documents including; Valid National Identity Card for Ugandans, Passport for foreigners (Non-Ugandans) and Refugee Identity Card for Refugees.
- Letter of introduction from either employer or local authorities (if not already a customer of the company)
- Availability of the amount to be fixed
- Referee who is an account holder (if not an existing customer of the company)
The company shall to the extent possible endeavor to meet the emergency and critical needs of its clients. This will be in line with its founding principles. Furthermore, the company shall give some loans without subjecting them to the normal loan size. This loans shall be given under the approval of the Managing Director with a consent of the credit committee.
Product features:
- Loan amount is determined by the board.
- Takes a processing cycle of about 3 days.
- Interest is charged on a fixed rate on monthly basis.
- Minimum loan period of 1 month and Maximum loan period of 3 months.
- A dedicated loan officer.
Benefits:
- Fast and easiest way to access business funds.
- Informal loan security accepted.
Requirements:
- Applicant must be 18 years and above
- Hold a Current or Savings with a commercial bank.
- Completed loan application form.
- Payment of loan processing fees.
- Payment of insurance fees.
- Inspection of collateral.
- Security can be fixed and/ or movable assets.
- Guarantors can either be personal or corporate.
- Applicant must be resident within the branch’s designated area of operation.
- There must be at least 6 months on-going business activity.
- Possession of proof of business preferably trading license.
- Two guarantors.
- Possession of an acceptable form of collateral.
This is a deposit account designed for regular loan clients of specifically DAF-Will Supplies & Financials (DSF) Limited with a purpose that constitute to loan instalment repayment. Non loan clients are NOT allowed to open up this account. Cash withdrawals from this account can be strictly made over the counter in the hall.
Product features
- Opening deposit of Ugx. 15,000.
- Minimum balance of Ugx. 10,000.
- Monthly account management fee of Ugx. 1,000.
- Cash withdrawals from the account by only account holders; no third parties are allowed to make cash withdrawals from the account.
- Daily balances and mini-statements are available on request
Benefits
- Allows unrestricted cash deposits.
- Unrestricted cash withdrawals subject to the minimum balance and loan period.
- Access to a variety of other company products such as loans.
Requirements
- Two (2) most recent passport size photos of the account signatories.
- Valid identification document including the following: Valid National Identity Card for Ugandans, Passport for foreigners (Non-Ugandans). Refugee Identity Card for Refugees.
- Opening cash deposit of only Ugx. 15, 000.
- One (1) Referee (who is either a relative or any other acceptable local authority
Mobile Money
Overview
DAF-Will Supplies & Financials (DSF) Limited considers mobile money business among the fastest growing businesses greatly helping the country transition into a cashless economy. From this point, the company offers MTN Mobile and AIRTEL money services. This is a money transfer mechanism, based on MTN’s and AIRTEL’s Mobile Money platform, which transfers money between phone users.
- Geographical coverage; within Uganda
- Transaction currencies – only Uganda shillings
- Instant access by the receiver after the funds are sent
- Customer can send to or receive money from unregistered customer
- Maximum that can be sent/ received in a day is 5 million (MTN) & 4 million (AIRTEL) for individuals
- No cash handling risks
- Instant transactions
- Can send to or receive from anywhere in Uganda, as long as there is MTN phone network
- Valid identification to receive money
- Proper identification of both sender and receiver
- To send mobile money when, one must be registered with MTN Mobile Money service
- Deposit cash into registered customers Mobile Money accounts
- Process cash withdrawals for registered Mobile Money customers
- Sell and buy float
- Sell easy load to the customers
- Customer Education
- Compliance with Mobile Money Regulations
- Compliance with Mobile Money business practices
Agent Banking
Overview
Agency banking is simply a third party banking where required bank customers are able to carry out bank transactions at any of our established offices. DAF-Will supplies & Financials (DSF) Limited was selected and appraised by the Commercial Banks respectively and then approved by Bank of Uganda. In order to access the service, one is required to hold an account with the required commercial Banks. We offer the following services in line with the Agent Banking regulations;
- Cash Deposit to customer’s bank accounts
- Cash Withdraw from customer’s bank accounts
- Account Opening origination
- School fees payments
- Float purchase
- Float liquidation
- Money transfer
- Airtime purchase
- Super – agent to agent services
- Third party payments (UMEME, NWSC, URA, KCCA, pay TV)
- Balance Inquiries, Mini / Full statements
- Enhanced convenience by taking banking to customers’ neighborhoods
- Improve customer service through extended banking hours.
- Delivering tailor made solutions to meet the needs of our customers.
- Saves you money by reducing transport costs to travel to the Bank because it is now closer to you
Money Transfers
Overview
This service is offered on electronic and inter-branch basis. Our clients do not longer carry cash from one area to the other as they can be paid from any of our existing branches. The general public shall also benefit from this service when sending cash to family and friends.
- Sending money
- Receiving money
- Making payments
- Making inquiries
- No risk of carrying money
- Easy and safer to transact
- Fast and accurate
- No long queues required

Conviniet agent banking
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Easy loan processing
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