Fund verified savings groups across Uganda. Your capital reaches groups vetted by our field team and backed by their own savings. Better returns than unit trusts, backed by 97.2% on-time repayment over the last 15 months.
Pick your investment amount (minimum UGX 1,000,000) and duration (3 to 24 months). The calculator below shows your projected returns.
Your capital reaches savings groups verified by our field agents. Each group has a track record, a designated leader, and their own savings backing the loan.
Groups repay with interest. You see every repayment land in your portfolio. We pay out to your account on the agreed schedule.
Compare what your money does in a SocialPay investment, a unit trust, and a government bond. Same UGX 1,000,000 over 12 months.
| SocialPayOur pick | Unit trust | Gov bond | |
|---|---|---|---|
| Annual return | 24% | 12% | 16% |
| Payout (UGX 1M) | UGX 240,000 / yr | UGX 120,000 / yr | UGX 160,000 / yr |
| Minimum | UGX 1M | UGX 50K | UGX 100K |
| Cadence | Monthly | At maturity | Twice yearly |
| Term | 3–24 months | Open-ended | 2–10 years |
| Backed by | Group savings + social bonds | Pooled fund | Govt of Uganda |
| Regulated | UMRA | CMA | BoU |
Payout figures show annual interest only on UGX 1,000,000 principal; principal is returned at term. Unit trust rates from Capital Markets Authority of Uganda CIS bulletins; government bond rates from Bank of Uganda primary issuance (minimum UGX 100,000 per bond). SocialPay figure is the target rate across the vetted-group portfolio, net of fees.
Funding 100+ verified groups across Jinja, Mbale, Tororo, Lira and Gulu. Each group is field-visited by our team before any capital is deployed. Three examples from the network. Not the best, the typical.
Two field visits, 18 months of group savings history reviewed, references from local microfinance officer.
Cross-verified with 3 group members individually, 24 months of group ledger reviewed, all member savings accounts in good standing.
Field agent embedded with group for 2 weeks during planting season, harvest yield projections cross-checked with local agricultural officer.
No lending is risk-free, and anyone who says otherwise is selling something. Every group pledges around 30% of its own savings as collateral before a loan is issued. When a repayment slips, this is exactly what we do:
We either offset the loan against the group's collateral or restructure the schedule with the group, whichever gets repayment back on track. From here, someone on our team follows up with the group every week.
If the loan is still behind after restructuring and weekly follow-ups, we take legal action against the group. This is rare. Collateral and the group's own social pressure resolve most cases well before this.
A loan still unpaid at 180 days is written off. In 16 months of lending, that's happened 5 times out of 1,000 loans. A 0.5% write-off rate.
5 write-offs in 1,000 loans over the last 16 months. That record is the product.
Projected return based on a target 24% annual rate across the vetted-group portfolio. Final returns depend on borrower performance and may vary by group and term.
Target 24% annual return, shown net of SocialPay fees.
Three-minute application. Nick reviews and follows up personally within 24 hours. We onboard a small number of new investors each month so every group stays fully vetted.