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Veterinary Association Loan Scheme [VALOS]

This is a unique loan scheme through which veterinary doctors who are registered members of Uganda Veterinary Association (UVA) can access Centenary Bank loans to finance their veterinary projects/practices. The scheme is aimed at encouraging private veterinary practice in Uganda. Loan amounts range from a minimum of UShs. 100,000/= up to a maximum of UShs. 35 million for a loan period not exceeding 24 months with flexible repayment plans.

Main features: 

  • Mainly intended for vet doctors (private practitioners) who are registered members of the Uganda Veterinary Association (UVA).
  • In some cases registered members who are not necessarily private practitioners may also be considered.

Basic Requirements:: 

  • Recommendation letter from Uganda Veterinary Association
  • Commercially viable project
  • Loan applicant must be a resident of Uganda
  • Flexible security requirements such as; land title, kibanja, vehicle, personal guarantee, e.t.c.
  • Savings account or Current account at any of the Centenary bank branches.
  • Loan application fee of Shs.15000/= only.


  • Business start-up's can be financed
  • Comparatively much lower interest rate.
  • Flexible repayment plans.
  • Grace period available on a case-by-case basis
  • Phased disbursements to accommodate different stages of business activity cycle
  • Flexible loan period up to a maximum of 24months.
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