01 For employed individuals
Salary Advance Loan A practical financing option for eligible private- and public-sector employees who need to manage an important expense before the next salary cycle.
Urgent household expenses Education-related costs Medical or family needs Essential repairsView full service details 02 Support when timing matters
Emergency Loan Financing intended for eligible customers facing a genuine, time-sensitive personal requirement that cannot reasonably be postponed.
Urgent medical or family needs Essential home or equipment repairs Unexpected travel requirements Time-sensitive education costsView full service details 03 Structured vehicle financing
Ndinga Financing A financing pathway for eligible individuals and entrepreneurs seeking to acquire a vehicle for mobility, work, or business use.
Personal mobility Travel to and from work Customer visits and field work Business transportView full service details 04 Improve, modernise, or expand commercial space
Home Improvement Loan for Commercial Properties Financing for eligible commercial property improvement projects, from essential renovations and interior upgrades to expansion and modernisation.
Commercial property renovations Office improvements Retail or shop renovations Structural upgradesView full service details 05 Turn confirmed business into execution capacity
Invoice Discounting / LPO / Contract Loan Working finance for eligible businesses that have a confirmed invoice, Local Purchase Order, or awarded contract but need capital to deliver or maintain cash flow.
Purchase goods required by an LPO Mobilise labour or equipment for a contract Buy materials for confirmed work Pay suppliers during executionView full service details 06 Short-term liquidity for active businesses
Working Capital Financing for eligible businesses that need additional short-term liquidity to sustain operations, fulfil demand, or support responsible growth.
Purchasing inventory Paying suppliers Funding materials Fulfilling customer ordersView full service details All financing is subject to product availability, assessment, eligibility, supporting documents, and the terms confirmed directly by Union Financial.