Demos Capital

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Demos

Capital

We are a limited liability company, duly licenced and registered by the Kampala Capital City Authority (KCCA) and Uganda Micro Finance Regulatory Authority (UMRA), the regulatory agency for our business.

Assisting Clients to achieve short-term Financial goals.

We are a limited liability company, duly licensed and registered by the Kampala Capital City Authority (KCCA) and Uganda Micro Finance Regulatory Authority (UMRA), the regulatory agency for our business.

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Clients Served
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Assisting clients to achieve short-term financial aspirations

Demos Capital Ltd, founded in November 2019, offers financial services to formal civil servants. We’re a licensed limited liability company registered with KCCA and UMRA, our regulatory agency.

 

For any and all inquires please click the link below to fill in a form

Contact Us

We provide dependablereliabletimelyquick access to financial services to solve short-term personal and business financial constraints.

Our
Services

The majority of our clients are referred to us by previous clients and individuals of good standing who are familiar with our services. Our active sales team actively provide relationship management and advisory services covering legal, business and other loan-related queries

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Salary Loans

Import Loans

Business Loans

Asset Finance

What We Provide

Our Services

The majority of our clients are referred to us by previous clients and individuals of good standing who are familiar with our services. Our active sales team actively provide relationship management and advisory services covering legal, business and other loan-related queries

Salary Loans

Designed for salaried employees that received a regular monthly salary both corporate and civil servants.

Business Loans

Designed for entrepreneurs to provide working capital to finance inventory, equipment purchase etc.

Import Loans

Demos Capital Ltd will designate a collateral manager to inspect and take custody of the goods financed that are being imported.

Invoice Financing

Businesses that use an invoicing system to bill other businesses may be eligible for invoice factoring. With this type of business financing, your business sells its outstanding invoices to a factoring company.

Contract Financing

Contract financing is a way for your business to receive a cash advance on work you have yet to perform on a contracted job. It is collateralized by a contract between your company and your client.

Asset Finance

Asset finance is the practice of using a company’s balance sheet assets (such as investments or inventory) as a security to borrow money or take out a loan against what you already own.

Warehouse Receipt Financing

Warehouse receipt financing is the use of securely stored goods as loan collateral.

Call us to know more

Testimonials

Mujuni Rachel E
Mujuni Rachel E

I can't express how much I appreciated the outstanding customer service provided by Demos Capital. Their willingness to take the time to ensure I had a clear understanding of everything truly stood out.

Atim Sandra
Atim Sandra

After our visit to their offices, we left with a deep sense of satisfaction regarding the service we received. It's safe to say that we are not only pleased with their service, but we are also planning on returning in the future for any further assistance we may require.

Mubiito Asaph
Mubiito Asaph

I want to express my heartfelt gratitude for your exceptionally prompt assistance. Your company's dedication to providing swift and efficient support has left a lasting impression on me. I must say, I am thoroughly impressed with the level of service I have received.

Mwekwatse Sam
Mwekwatse Sam

I want to highlight the exceptional qualities of the staff at Demos. Their accessibility, knowledge, and professionalism have consistently stood out in our interactions with them. It's evident that the team is not only well-trained but also deeply committed to providing top-notch service.

Akiteng Rebecca
Akiteng Rebecca

I absolutely adore the exceptional speed and efficiency of the service I received. The fast pace at which my needs were addressed truly left a remarkable impression on me. It's evident that the team behind this service values not only their customers' time but also their overall experience.

Owiny Bosco
Owiny Bosco

First and foremost, the minimal hassle involved in arranging the loan was truly remarkable. Your team's ability to handle all the intricacies with efficiency and precision made the entire process incredibly smooth. This level of organization significantly reduced the stress typically associated with such transactions.

Our Partners

Our interest rates are competitive & negotiable depending on the product, duration and amounts.

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Demos
Capital

We are a limited liability company, duly licenced and registered by the Kampala Capital City Authority (KCCA) and Uganda Micro Finance Regulatory Authority (UMRA), the regulatory agency for our business.

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Get in Touch

  • 0741497074
  • 0766173673
  • info@demoscapital.ug

Work Hours

8:30 AM – 5:30 PM, Monday – Friday

9:30 AM – 1:00 PM, Saturday

Locations

HEAD OFFICE
Plot 24 Flat A Wapewo Avenue
Wampewo Close – Kololo

NTINDA BRANCH
1st Floor Rm H-02
Ntinda – Reed Complex

PARLIAMENT AVENUE BRANCH
Ecobank Plaza, 1st Floor, Rm i
Parliamentary Avenue, Kampala

Useful Links

  • Home
  • About
  • Services
  • Contact

Copyright © 2025 Demos Capital Limited. All rights reserved.

Civil Servant Salary Earners Loans

Overview

A Salary Advance is a short-term unsecured loan advanced to a salaried civil servants depending on their work station and earning profile, to help them meet various emergency needs.  These can include medical emergencies, school fees, funeral expenses, etc.  Repayment period for this loan is up to 6 months.

Features

  • Flexible repayment period of up to 6 months
  • One can borrow 4 times of the net pay
  • Flexible collateral requirements
  • Quick loan processing in just 24 hours

Requirements

  • One must be in employment and have an active Bank account
  • Salary to have been remitted through a Bank account for at least 3 consecutive months
  • One must provide financial information (3 recent certified copies of salary pay slips, latest bank statements showing at least 3 months of salary remittances and a copy of your financial card)
  • Introduction letter from employer on company letterhead.
  • Employers’ commitment to remit your salary to the bank for the entire duration of the loan shall be required. We may have to impanel your employer.
  • National ID

Business Loans

Overview

A business working capital loan is short-term financing that is structured to help businesses that need a cash infusion to cover day-to-day operating expenses such as payroll. Seasonal businesses, in particular, might benefit from a working capital loan during slow seasons when managing cash flow is a challenge.

Our working capital loan terms will vary depending on the specific type of financing you apply for and the risk you pose as a borrower. In general, though, working capital loans can range from UGX2million to UGX20million.

Requirements

  • Business Legal documents (for a company)
  • Business’ financial statements, including and income statement, balance sheet and cash flow   
  • A 12-month cash flow forecast.   
  • Business’ bank statements for the past six months. 
  • Financial card 
  • CRB Report
  •  

Import Finance Loans

Overview

The banking sector in Uganda has been looking to creatively identify and develop market driven and flexible product solutions and strategically position itself through those initiatives that can enhance business growth in the trade and manufacturing sector.

Import Finance Loans are designed for importers on the basis of imported goods or commodities that are held in trust as collateral for the loans. The goods may be held in public warehouses approved by the lender, or may be held in field warehouses located in the borrower’s facilities but controlled by an independent third party – a collateral manager.

Demos Capital Ltd will designate a collateral manager to inspect and take custody of the goods financed that are being imported. The collateral manager will in turn issue a warehouse receipt to Demos Capital Ltd that certifies the quantity and quality of the stored goods or commodities and binds him legally to the responsibility of managing the said goods.

Under this arrangement, part of the consignment representing a minimum of three times the value of the loan disbursed is held by the collateral manager in secure, licensed, bonded and insured warehouse facilities.

Requirements

  • Copies of Import Documents
  • Invoice by Freight company
  • Collateral management agreement with Collateral manager
  • Bank Advice Form from tax authority (URA)

Invoice Financing

Overview

Businesses that use an invoicing system to bill other businesses may be eligible for invoice factoring.  With this type of business financing, your business sells its outstanding invoices to a factoring company.  The factoring company then advances you a portion of the uncollected invoices (often 70% to 95%) and becomes responsible for collecting the outstanding invoices.

After collection, the factoring company pays your business the remaining balance minus the factoring fees. Factor fees typically range from 5% to 8% for each month an invoice remains unpaid.

Invoice factoring is a handy financing method for start-ups and new businesses that don’t have a strong credit profile yet.

Requirements

  • Business Legal documents (for a company)
  • Business’ bank statements for the past six months. 
  • Copy of Invoice and proof of performance
  • Assignment of Receivables Agreement
  • CRB Report
  • Personal guarantee

Contract Financing

Overview

Contract financing is a way for your business to receive a cash advance on work you have yet to perform on a contracted job. It is collateralized by a contract between your company and your client. The contract specifies milestones and payments based upon your progress toward completing the project.

Contract financing differs from conventional loans in that it’s underwritten based more on the contract terms and the creditworthiness of the client, rather than being based on the company’s credit record.

Contract financing typically advances up to 90% of an invoiced amount right away, with the remainder — less a fee — paid to you when the invoice is paid. Companies that operate by contractually agreeing to provide services or products for a specific project or event can use the contract as collateral to secure necessary funding. Frequently, the contract specifies the partial payments you’ll receive as you invoice for the completed portions of the work. The arrangement allows companies to avoid waiting months to, potentially, receive payments on invoices they submit directly to the customer.

Contract financing is useful when the credit history of a small or medium company is scant or poor, which can block access to conventional bank loans and commercial lines of credit.

 

Requirements

  • Business Legal documents (for a company)
  • Business’ bank statements for the past six months. 
  • Copy of signed contract with a clear schedule of milestones and payments.
  • Track record to show that you can perform the work on time and complete each milestone properly.
  • Assignment of Receivables Agreement
  • CRB Report
  • Personal guarantee

Asset Financing

Overview

Asset finance is the practice of using a company’s balance sheet assets (such as investments or inventory) as a security to borrow money or take out a loan against what you already own. It can provide a secure and easy way of getting working capital for your business.

Various things can be offered as collateral, from inventory, machinery and even buildings. For example, a transport company may use its vehicles as an asset to secure finance against. The amount loaned will usually depend on the value of these assets which the finance is secured against.  Alternatively, the loan can be used to procure the asset and, in turn, use it as collateral for the loan while the asset is being used.

Asset financing is often used as short-term funding solution – to pay employees, suppliers or to finance growth. It provides a more flexible way of borrowing compared to traditional bank loans. For growing businesses and start-ups especially, it provides an easy way to increase working capital .

Requirements

  • Business Legal documents (for a company)
  • Business’ bank statements for the past six months. 
  • Copy of ownership documents of the collateral offered
  • Valuation report that is at least 2 years’ old
  • CRB Report
  • Personal guarantee

Warehouse Receipt Financing

Overview

Warehouse receipt financing is the use of securely stored goods as loan collateral. These programs allow producers, processors and exporters to deposit a finished good or agricultural product in a secure warehouse where the producer receives a receipt certifying the deposit of goods of a particular quantity, quality, and grade.

In Uganda many agricultural traders do not own properties that can be leveraged as collateral for loans from financial institutions. They therefore often lack access to credit to meet their financing needs and are forced to sell their commodities immediately after harvest, often at lower prices. Demos Capital Ltd warehouse receipt financing has been designed as a mechanism to address this challenge to farmers and also financial institutions. A warehouse receipt financing system is a mechanism that allows the use of commodities as collateral to secure loans.

In a typical warehouse receipt financing approach, a farmer or traders stores commodities at a certified independent warehouse managed by a collateral manager (CM). The commodity will be graded and checked for quality and a receipt by the CM will be issued by the warehouse operator to the farmer, specifying the quantity and quality of the commodity. The farmer can use the receipt as collateral to access loans from us, while also enjoying the advantage of selling these commodities in the market when prices might be higher. For financial institutions, warehouse receipt financing help reduce credit risk in lending to farmers.

Requirements

  • One must have a warehouse facility duly inspected and certified by the collateral manager
  • Valid offtake contract with details of the quality, quantity, price and delivery details
  • Stock Insurance covering burglary and fire perils
  • Stock valuation report
  • Warehouse receipt issued by a collateral manager
  • Signed tripartite collateral management agreement
  • CRB report

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