Business Development Loans
Capital to scale SMEs and local ventures for sustainable development, stock, equipment, expansion.
- For registered & informal businesses
- Repayment matched to cash flow
Loans That Say Yes to Real Life
Member-based credit with fair terms, a simple credit policy and quick disbursal, built on your savings record, not just collateral.
Housing Improvement Loans
Build or improve your home with flexible, competitive interest rates, roofing, extensions, finishing.
- Staged disbursement to suppliers
- Site verification included
Emergency Instant Loans
Fast help when life happens, medical bills, urgent repairs, school deadlines, with same-week decisions for members in good standing.
- Priority processing
- Short, manageable terms
Diaspora Investment Loans
Invest directly in high-impact local projects guaranteed by ADCCUL, the engine behind our Uplift Account.
- Guarantee from abroad
- Funds paid to the project, not in cash
How Lending Works Here
Your Savings Record Is Your Collateral
As a cooperative, we lend members' pooled savings back to members. That means we look at your relationship with the union, your savings consistency, your shares, your guarantors, not just what property you can pledge.
Be a Member with Active Savings
Most loans require a savings history; your loan capacity grows with your savings and shares.
Apply at the Branch or Online
Bring your ID and a simple description of what the loan is for. Our credit policy is deliberately simple.
Quick Review & Disbursal
The credit committee reviews promptly; approved funds are disbursed quickly, to you or directly to suppliers.
Repay & Grow Your Standing
Every well-repaid loan raises your future limit and strengthens the whole cooperative.
Rates and terms shown are indicative and set by the Board; please confirm current figures with our team before applying.
Start a Loan Application
Tell us what you need, a loan officer will contact you with the exact requirements and current rates.