A disciplined operator, focused on boda boda financing in Uganda.
Baikal Financial Services Limited is a UMRA-regulated Tier 4 microfinance institution with a single, focused mandate: financing motorcycles for Ugandan boda riders. This page is separate from our rider-facing site — if you're looking to apply for financing, visit our application page instead.
Our strategy
Baikal finances petrol and electric motorcycles exclusively for boda riders, structuring weekly repayments around how boda income is actually earned. We combine disciplined credit assessment, guarantor-backed lending, GPS-tracked collateral, and structured weekly collections to manage risk while giving riders a realistic path to motorcycle ownership.
Market opportunity
Boda bodas are one of Uganda's most widely used forms of transport and a primary income source for a large population of riders, most of whom lack access to conventional vehicle financing. Baikal addresses this gap with a product purpose-built for the boda rider's income pattern and operating environment, rather than a generic asset-finance product adapted after the fact.
Portfolio snapshot
Active portfolio size, currently financed motorcycle count, disbursement volumes and repayment performance are not yet published here pending a confirmed reporting date and management sign-off. Qualified investors can request current figures directly — see contact details below.
Geographic coverage
Three branches: Bukoto/Ntinda (head office) and Rubaga in Kampala, and Mukono. See our Locations page for full details.
Credit and collection controls
- Affordability assessment and Credit Reference Bureau checks on every application
- Guarantor requirement on every loan
- GPS tracking on every financed motorcycle for asset visibility
- Structured weekly collections aligned to boda income cycles
- Defined recall and repossession process for sustained non-payment
Governance and regulatory status
Baikal Financial Services Limited is licensed and regulated by the Uganda Microfinance Regulatory Authority (UMRA) as a Tier 4 institution, and is a Credit Reference Bureau (CRB) reporting member. Governance, management structure and licence details are available to qualified investors on request.
Audited financial statements
Audited financial statements are available to qualified investors and partners under a standard information-sharing arrangement. Contact us to request current statements.
Let's talk.
Equity, debt, or partnership — write to us and we'll set up a call.
info@baikalfinance.ug