Regulated Tier 4 Microfinance · Uganda

Finance that moves
working Uganda forward.

Baikal funds the boda riders, small traders and households that keep the country moving. Built on disciplined credit and a strong on-time repayment record.

Apply for a loan For investors & partners

UMRA-licensed (Tier 4)

CRB-reporting member

3 branches · Kampala & Mukono

What we finance

Two products. One simple promise.

Lend to people who can repay. Stand behind every loan we make. Keep the books clean enough that we can answer any question, from any borrower or regulator, on any day.

Bike financing

Flagship

EV and ICE motorbikes for boda riders. Up to 24 months, GPS-tracked, with structured weekly collections.

Learn more

Cash loans

Launching 2026

Unsecured working-capital loans for existing borrowers in good standing. KYC + biometric + CRB underwriting.

Learn more

We do two things. We do them properly. That's the entire promise — to every borrower, every guarantor, and every partner who has ever lent us a shilling.

Vishal Reddy

Director, Baikal Financial Services

Impact

Every loan funds a livelihood.

Behind every active loan is a working Ugandan — a rider, a trader, a household. Our portfolio is the scoreboard, and we report it honestly.

See our impact

Branches · Kampala & Mukono

For investors & partners

A disciplined operator scaling in East Africa.

Live management dashboards. Real-time portfolio reporting. We'd be glad to share more.

Investor materials or email info@baikalfinance.ug

Where to find us

Three branches across Kampala & Mukono.

Kampala — Bukoto/Ntinda

Head office

TMT Atrium, Plot 90, 3rd Floor, Space 6

Upper Naguru East, Bukoto–Ntinda Road

Kampala — Rubaga

Branch

Nabunya Road, near St. Lawrence University

Walk-in service hours: Mon–Sat

Mukono