XtraCashBiz is a digital lending service offered by Eco Bank Uganda Limited in partnership with MTN Mobile Money (U) Limited. It provides short-term working capital loans to MTN MoMo informal merchants directly through their MoMo merchant wallet via USSD *155*4#.

You are eligible if you:

• Are an active MTN MoMo informal merchant
• Are at least 18 years old
• Have been an MTN MoMo subscriber for at least 6 months (at least 90 days for the merchant wallet)
• Have transacted on your mobile money account within the last 90 days
• Have applicable KYC data registered

• Loan amount: UGX 1,000 to UGX 1,000,000
• Tenure options: 14-day loan or 30-day loan
• Access fee: 7.5% (14-day) or 10.5% (30-day)
• No collateral required
• Funds disbursed directly to your MoMoPay merchant wallet
• Accessible via USSD *155*4#
• Repayment through manual repayment, auto sweep on due date, or auto debit on overdue loans

• Quick and convenient access to working capital directly from your phone
•  No collateral or paperwork required
• Flexible repayment options, including partial repayments
• Build your credit history to access higher loan limits over time
• Transparent fees with no hidden charges

XtraCashBiz is available 24/7. You can apply for a loan at any time by dialing *155*4# on your MTN line. Approval is instant, and funds are disbursed immediately to your merchant wallet.

Two loan tenures are available:
• 14-Day Loan – Access Fee: 7.5% of the loan amount
• 30-Day Loan – Access Fee: 10.5% of the loan amount

If you do not repay on time, a penalty fee of 7% will be applied on the outstanding principle balance after the due date. There are no additional charges for loan disbursement or collection.

Dial *155# on your MTN line → Select ‘Business Loans’ → Select ‘XtraCashBiz’ → Review the Terms & Conditions → Enter your MoMo PIN to confirm. Once accepted, you will be registered and can access the XtraCashBiz menu.

After registration, dial *155# → Business Loans → XtraCashBiz → Take Loan → Enter the amount you wish to borrow (within your displayed limit) → Select your preferred tenure (14 or 30 days) → Confirm with your MoMo PIN. The loan amount will be disbursed to your merchant wallet immediately.

Yes. You can make partial or full repayments at any time before or after the due date. Dial *155# → Business Loans → XtraCashBiz→ Repay Loan → Enter amount → Confirm with MoMo PIN. Early repayment does not attract any additional fees.

No. Only one merchant loan is allowed at a time. Additionally, if you already have an outstanding consumer (retail) loan on your personal wallet, you cannot take a merchant loan until that loan is settled.

Your credit limit is determined by OPTASIA based on your credit score, transaction history on your merchant wallet, repayment behavior, and other profile information. To grow your limit:
• Repay your loans on time or early
• Maintain regular transactions on your merchant wallet
• Build a positive repayment history over time

Your limit will be reviewed and adjusted periodically as your repayment history improves.

You can opt out only if you have no outstanding loan balance. To opt out:
Dial *155# → Business Loans → XtraCashBiz → My Account → Close Account/Opt-Out → Enter your MoMo PIN.

If you have a running loan, you will be notified to repay first before opting out. Note that when you opt out, you will lose access to your transaction history. However, if you opt back in later, your previous transaction history will still be considered for credit scoring.

You can repay via:
• Manual Repayment (Partial or Full): Dial *155# → Business Loans → XtraCashBiz → Repay Loan→Enter amount → Confirm with MoMo PIN
• Auto Sweep: On the due date, the system will attempt to collect the outstanding amount automatically from your merchant wallet
• Auto Debits: If overdue, any funds deposited into your wallet will be auto-applied to the loan

Repayments are applied in the following order:
1. Outstanding fees and charges
2. Penalty fees (if any)
3. Principal loan amount

If you do not repay by the due date:
• A penalty fee of 7% will be applied on the outstanding principle balance after the due date
• The system will attempt to auto-collect the outstanding amount from your merchant wallet
• An auto-debit flag will be placed on your account, so any future deposits into your wallet will automatically be applied toward repaying the outstanding loan
• Continued default may result in suspension of the service and referral to a debt-collection agency.

For all enquiries, complaints, or support:
• Call: 100 (MTN MoMo Customer Care)
• WhatsApp: 0772 123 100
• Visit any MTN Service Center

You can also view the full Terms & Conditions by dialing *155# → Business Loans → XtraCashBiz → About→ URL of T&Cs is displayed

XtraCashBiz is a digital lending service offered by Eco Bank Uganda Limited in partnership with MTN Mobile Money (U) Limited. It provides short-term working capital loans to MTN MoMo informal merchants directly through their MoMo merchant wallet via USSD *155*4#.

You are eligible if you:

• Are an active MTN MoMo informal merchant
• Are at least 18 years old
• Have been an MTN MoMo subscriber for at least 6 months (at least 90 days for the merchant wallet)
• Have transacted on your mobile money account within the last 90 days
• Have applicable KYC data registered

• Loan amount: UGX 1,000 to UGX 1,000,000
• Tenure options: 14-day loan or 30-day loan
• Access fee: 7.5% (14-day) or 10.5% (30-day)
• No collateral required
• Funds disbursed directly to your MoMoPay merchant wallet
• Accessible via USSD *155*4#
• Repayment through manual repayment, auto sweep on due date, or auto debit on overdue loans

• Quick and convenient access to working capital directly from your phone
•  No collateral or paperwork required
• Flexible repayment options, including partial repayments
• Build your credit history to access higher loan limits over time
• Transparent fees with no hidden charges

XtraCashBiz is available 24/7. You can apply for a loan at any time by dialing *155*4# on your MTN line. Approval is instant, and funds are disbursed immediately to your merchant wallet.

Two loan tenures are available:
• 14-Day Loan – Access Fee: 7.5% of the loan amount
• 30-Day Loan – Access Fee: 10.5% of the loan amount

If you do not repay on time, a penalty fee of 7% will be applied on the outstanding principle balance after the due date. There are no additional charges for loan disbursement or collection.

Dial *155# on your MTN line → Select ‘Business Loans’ → Select ‘XtraCashBiz’ → Review the Terms & Conditions → Enter your MoMo PIN to confirm. Once accepted, you will be registered and can access the XtraCashBiz menu.

After registration, dial *155# → Business Loans → XtraCashBiz → Take Loan → Enter the amount you wish to borrow (within your displayed limit) → Select your preferred tenure (14 or 30 days) → Confirm with your MoMo PIN. The loan amount will be disbursed to your merchant wallet immediately.

Yes. You can make partial or full repayments at any time before or after the due date. Dial *155# → Business Loans → XtraCashBiz→ Repay Loan → Enter amount → Confirm with MoMo PIN. Early repayment does not attract any additional fees.

No. Only one merchant loan is allowed at a time. Additionally, if you already have an outstanding consumer (retail) loan on your personal wallet, you cannot take a merchant loan until that loan is settled.

Your credit limit is determined by OPTASIA based on your credit score, transaction history on your merchant wallet, repayment behavior, and other profile information. To grow your limit:
• Repay your loans on time or early
• Maintain regular transactions on your merchant wallet
• Build a positive repayment history over time

Your limit will be reviewed and adjusted periodically as your repayment history improves.

You can opt out only if you have no outstanding loan balance. To opt out:
Dial *155# → Business Loans → XtraCashBiz → My Account → Close Account/Opt-Out → Enter your MoMo PIN.

If you have a running loan, you will be notified to repay first before opting out. Note that when you opt out, you will lose access to your transaction history. However, if you opt back in later, your previous transaction history will still be considered for credit scoring.

You can repay via:
• Manual Repayment (Partial or Full): Dial *155# → Business Loans → XtraCashBiz → Repay Loan→Enter amount → Confirm with MoMo PIN
• Auto Sweep: On the due date, the system will attempt to collect the outstanding amount automatically from your merchant wallet
• Auto Debits: If overdue, any funds deposited into your wallet will be auto-applied to the loan

Repayments are applied in the following order:
1. Outstanding fees and charges
2. Penalty fees (if any)
3. Principal loan amount

If you do not repay by the due date:
• A penalty fee of 7% will be applied on the outstanding principle balance after the due date
• The system will attempt to auto-collect the outstanding amount from your merchant wallet
• An auto-debit flag will be placed on your account, so any future deposits into your wallet will automatically be applied toward repaying the outstanding loan
• Continued default may result in suspension of the service and referral to a debt-collection agency.

For all enquiries, complaints, or support:
• Call: 100 (MTN MoMo Customer Care)
• WhatsApp: 0772 123 100
• Visit any MTN Service Center

You can also view the full Terms & Conditions by dialing *155# → Business Loans → XtraCashBiz → About→ URL of T&Cs is displayed

XtraCashBiz is a digital lending service offered by Eco Bank Uganda Limited in partnership with MTN Mobile Money (U) Limited. It provides short-term working capital loans to MTN MoMo informal merchants directly through their MoMo merchant wallet via USSD *155*4#.

You are eligible if you:

• Are an active MTN MoMo informal merchant
• Are at least 18 years old
• Have been an MTN MoMo subscriber for at least 6 months (at least 90 days for the merchant wallet)
• Have transacted on your mobile money account within the last 90 days
• Have applicable KYC data registered

• Loan amount: UGX 1,000 to UGX 1,000,000
• Tenure options: 14-day loan or 30-day loan
• Access fee: 7.5% (14-day) or 10.5% (30-day)
• No collateral required
• Funds disbursed directly to your MoMoPay merchant wallet
• Accessible via USSD *155*4#
• Repayment through manual repayment, auto sweep on due date, or auto debit on overdue loans

• Quick and convenient access to working capital directly from your phone
•  No collateral or paperwork required
• Flexible repayment options, including partial repayments
• Build your credit history to access higher loan limits over time
• Transparent fees with no hidden charges

XtraCashBiz is available 24/7. You can apply for a loan at any time by dialing *155*4# on your MTN line. Approval is instant, and funds are disbursed immediately to your merchant wallet.

Two loan tenures are available:
• 14-Day Loan – Access Fee: 7.5% of the loan amount
• 30-Day Loan – Access Fee: 10.5% of the loan amount

If you do not repay on time, a penalty fee of 7% will be applied on the outstanding principle balance after the due date. There are no additional charges for loan disbursement or collection.

Dial *155# on your MTN line → Select ‘Business Loans’ → Select ‘XtraCashBiz’ → Review the Terms & Conditions → Enter your MoMo PIN to confirm. Once accepted, you will be registered and can access the XtraCashBiz menu.

After registration, dial *155# → Business Loans → XtraCashBiz → Take Loan → Enter the amount you wish to borrow (within your displayed limit) → Select your preferred tenure (14 or 30 days) → Confirm with your MoMo PIN. The loan amount will be disbursed to your merchant wallet immediately.

Yes. You can make partial or full repayments at any time before or after the due date. Dial *155# → Business Loans → XtraCashBiz→ Repay Loan → Enter amount → Confirm with MoMo PIN. Early repayment does not attract any additional fees.

No. Only one merchant loan is allowed at a time. Additionally, if you already have an outstanding consumer (retail) loan on your personal wallet, you cannot take a merchant loan until that loan is settled.

Your credit limit is determined by OPTASIA based on your credit score, transaction history on your merchant wallet, repayment behavior, and other profile information. To grow your limit:
• Repay your loans on time or early
• Maintain regular transactions on your merchant wallet
• Build a positive repayment history over time

Your limit will be reviewed and adjusted periodically as your repayment history improves.

You can opt out only if you have no outstanding loan balance. To opt out:
Dial *155# → Business Loans → XtraCashBiz → My Account → Close Account/Opt-Out → Enter your MoMo PIN.

If you have a running loan, you will be notified to repay first before opting out. Note that when you opt out, you will lose access to your transaction history. However, if you opt back in later, your previous transaction history will still be considered for credit scoring.

You can repay via:
• Manual Repayment (Partial or Full): Dial *155# → Business Loans → XtraCashBiz → Repay Loan→Enter amount → Confirm with MoMo PIN
• Auto Sweep: On the due date, the system will attempt to collect the outstanding amount automatically from your merchant wallet
• Auto Debits: If overdue, any funds deposited into your wallet will be auto-applied to the loan

Repayments are applied in the following order:
1. Outstanding fees and charges
2. Penalty fees (if any)
3. Principal loan amount

If you do not repay by the due date:
• A penalty fee of 7% will be applied on the outstanding principle balance after the due date
• The system will attempt to auto-collect the outstanding amount from your merchant wallet
• An auto-debit flag will be placed on your account, so any future deposits into your wallet will automatically be applied toward repaying the outstanding loan
• Continued default may result in suspension of the service and referral to a debt-collection agency.

For all enquiries, complaints, or support:
• Call: 100 (MTN MoMo Customer Care)
• WhatsApp: 0772 123 100
• Visit any MTN Service Center

You can also view the full Terms & Conditions by dialing *155# → Business Loans → XtraCashBiz → About→ URL of T&Cs is displayed

XtraCashBiz is a digital lending service offered by Eco Bank Uganda Limited in partnership with MTN Mobile Money (U) Limited. It provides short-term working capital loans to MTN MoMo informal merchants directly through their MoMo merchant wallet via USSD *155*4#.

You are eligible if you:

• Are an active MTN MoMo informal merchant
• Are at least 18 years old
• Have been an MTN MoMo subscriber for at least 6 months (at least 90 days for the merchant wallet)
• Have transacted on your mobile money account within the last 90 days
• Have applicable KYC data registered

• Loan amount: UGX 1,000 to UGX 1,000,000
• Tenure options: 14-day loan or 30-day loan
• Access fee: 7.5% (14-day) or 10.5% (30-day)
• No collateral required
• Funds disbursed directly to your MoMoPay merchant wallet
• Accessible via USSD *155*4#
• Repayment through manual repayment, auto sweep on due date, or auto debit on overdue loans

• Quick and convenient access to working capital directly from your phone
•  No collateral or paperwork required
• Flexible repayment options, including partial repayments
• Build your credit history to access higher loan limits over time
• Transparent fees with no hidden charges

XtraCashBiz is available 24/7. You can apply for a loan at any time by dialing *155*4# on your MTN line. Approval is instant, and funds are disbursed immediately to your merchant wallet.

Two loan tenures are available:
• 14-Day Loan – Access Fee: 7.5% of the loan amount
• 30-Day Loan – Access Fee: 10.5% of the loan amount

If you do not repay on time, a penalty fee of 7% will be applied on the outstanding principle balance after the due date. There are no additional charges for loan disbursement or collection.

Dial *155# on your MTN line → Select ‘Business Loans’ → Select ‘XtraCashBiz’ → Review the Terms & Conditions → Enter your MoMo PIN to confirm. Once accepted, you will be registered and can access the XtraCashBiz menu.

After registration, dial *155# → Business Loans → XtraCashBiz → Take Loan → Enter the amount you wish to borrow (within your displayed limit) → Select your preferred tenure (14 or 30 days) → Confirm with your MoMo PIN. The loan amount will be disbursed to your merchant wallet immediately.

Yes. You can make partial or full repayments at any time before or after the due date. Dial *155# → Business Loans → XtraCashBiz→ Repay Loan → Enter amount → Confirm with MoMo PIN. Early repayment does not attract any additional fees.

No. Only one merchant loan is allowed at a time. Additionally, if you already have an outstanding consumer (retail) loan on your personal wallet, you cannot take a merchant loan until that loan is settled.

Your credit limit is determined by OPTASIA based on your credit score, transaction history on your merchant wallet, repayment behavior, and other profile information. To grow your limit:
• Repay your loans on time or early
• Maintain regular transactions on your merchant wallet
• Build a positive repayment history over time

Your limit will be reviewed and adjusted periodically as your repayment history improves.

You can opt out only if you have no outstanding loan balance. To opt out:
Dial *155# → Business Loans → XtraCashBiz → My Account → Close Account/Opt-Out → Enter your MoMo PIN.

If you have a running loan, you will be notified to repay first before opting out. Note that when you opt out, you will lose access to your transaction history. However, if you opt back in later, your previous transaction history will still be considered for credit scoring.

You can repay via:
• Manual Repayment (Partial or Full): Dial *155# → Business Loans → XtraCashBiz → Repay Loan→Enter amount → Confirm with MoMo PIN
• Auto Sweep: On the due date, the system will attempt to collect the outstanding amount automatically from your merchant wallet
• Auto Debits: If overdue, any funds deposited into your wallet will be auto-applied to the loan

Repayments are applied in the following order:
1. Outstanding fees and charges
2. Penalty fees (if any)
3. Principal loan amount

If you do not repay by the due date:
• A penalty fee of 7% will be applied on the outstanding principle balance after the due date
• The system will attempt to auto-collect the outstanding amount from your merchant wallet
• An auto-debit flag will be placed on your account, so any future deposits into your wallet will automatically be applied toward repaying the outstanding loan
• Continued default may result in suspension of the service and referral to a debt-collection agency.

For all enquiries, complaints, or support:
• Call: 100 (MTN MoMo Customer Care)
• WhatsApp: 0772 123 100
• Visit any MTN Service Center

You can also view the full Terms & Conditions by dialing *155# → Business Loans → XtraCashBiz → About→ URL of T&Cs is displayed