Financial Precision. Intelligent Innovation.
Acylia Investments delivers bespoke financial tools, borrower credit analysis and AI-powered solutions to individuals, SMEs, lenders and corporations across Uganda & East Africa, built for precision, built for growth.
Affordability Snapshot
Where Finance Meets Innovation
Acylia Investments Uganda Limited is a premier financial and general innovation hub committed to delivering intelligent, technology-driven solutions across Uganda and East Africa.
We bridge traditional financial tools and cutting-edge artificial intelligence, and we build the underwriting engines lenders rely on to make sharper decisions, scale confidently, and sustain lasting growth.
- Precision-first approach to every financial decision
- AI-forward thinking, grounded in Uganda's regulatory context
- Credit analysis grounded in recognised risk frameworks
- Client-centred delivery, from individuals to institutions
Our Core Services
Precision instruments for every financial decision, built for Uganda's evolving economy and East Africa's growing ambition.
Credit & Cashflow Analysis
Independent borrower and business assessments covering cashflow, affordability, financial ratios and a clear, evidence-based risk grade.
Learn moreLoan & Mortgage Calculators
Precise amortisation schedules, interest breakdowns and repayment projections tailored to Uganda's lending environment in UGX.
Try the toolsTax & Payroll Compliance
Automated PAYE, NSSF, VAT and withholding-tax computation aligned with URA guidelines, plus full statutory payslips.
Open toolsInvestment & Forecasting
ROI models, compounding projections, cash-flow forecasts and break-even analysis for confident, data-driven decisions.
ExploreAI Training Programs
Six structured AI literacy programs, from foundational concepts to practical business implementation for teams and leaders.
See programsWeb & Report Templates
Website development and bespoke report-template design, the same craft behind Acylia's own tools and client reports.
Learn moreWhat every review covers
Borrower Credit Analysis, Done Properly
An independent, evidence-led view of whether a borrower can repay. We review financial records, analyse cashflow patterns, stress-test affordability and grade risk using the classic 5C framework, then turn the findings into clear reports that support confident, well-documented decisions.
- Cashflow and affordability analysis based on real records
- Financial statement and ratio analysis
- Stress testing under income and interest-rate shocks
- Clear, decision-ready reports in plain English
Built for Four Markets
From personal finance clarity to institutional underwriting, the right instrument for every scale.
Individuals
Loan comparisons, savings and mortgage affordability for navigating Uganda's financial landscape.
SMEs
Payroll, tax compliance, cash-flow forecasting and AI training to compete with confidence.
Lenders
Independent credit reviews, risk-scoring frameworks, portfolio analytics and credit-policy support.
Corporates
Enterprise financial modelling, AI integration roadmaps and bespoke advisory.
Trusted by Forward-Thinking Businesses
Acylia's payroll system saved us hours every month. PAYE and NSSF are computed automatically and we haven't had a single compliance error since we switched.
Their credit analysis gave our committee a clear, consistent view of every borrower's capacity to pay. The DSCR discipline has measurably improved our book.
The AI training gave our finance team a practical foundation in artificial intelligence, structured, relevant, and immediately applicable. A genuine edge.
Boost Your Advantage. Start Today.
Join forward-thinking Ugandan businesses and lenders who trust Acylia to sharpen their financial edge with precision tools and intelligent innovation.
Where Finance Meets Innovation
Acylia Investments Uganda Limited is a premier financial and general innovation hub, pairing precision instruments with intelligent insight so our clients can decide sharper and grow with confidence.
Rooted in Uganda, Built for the Region
Founded in 2024 and based in Kampala, Acylia was created to close a persistent gap: the distance between the financial tools Ugandan businesses actually need and the generic, imported software that rarely fits local rules, currencies or lending realities.
We build in UGX, align to URA and NSSF requirements, and underwrite to a disciplined credit standard. Alongside our tools, we've developed a structured, evidence-led approach to credit analysis, curated free learning paths for Ugandan professionals, and delivered bespoke websites and report templates for clients who need to look as sharp as they operate.
See What We DoOur Mission
To equip every Ugandan client, from sole trader to institution, with precise, locally-built financial intelligence.
Our Vision
An East Africa where sharper financial decisions are the norm, powered by tools and analysis people trust.
Our Values
Precision-First
Every figure is defensible. We'd rather be exact than impressive.
AI-Forward
We adopt intelligent tools early, and teach clients to do the same.
Uganda-Rooted
URA bands, NSSF rules, UGX and local lending context are the default.
Client-Centred
Solutions are tailored, documented and supported, never off-the-shelf.
A Process Built on Precision
A clear, four-stage path from first conversation to ongoing support.
Discovery
We understand your financial context, goals and key challenges before recommending any solution.
Tailoring
Tools and models are configured to your industry, scale and Uganda's regulatory environment.
Delivery
Solutions are delivered on schedule with full documentation and a personalised walkthrough.
Support
Ongoing support keeps your tools evolving with your business and Uganda's regulatory changes.
A Growing Hub
Let's Build Your Advantage.
Tell us what you're trying to decide, and we'll bring the right instrument to the table.
Precision Instruments for Every Financial Decision
A complete toolkit, from borrower credit analysis and lending advisory to calculators, compliance, AI training and bespoke build work, all engineered for Uganda's economy and East Africa's ambition.
Analysis & Lending Services
Credit & Cashflow Analysis
Independent assessments of borrowers and businesses: cashflow patterns, affordability, debt-service coverage and a clear risk grade for personal, SME and investment decisions.
Learn moreFinancial Statement Review
Interpretation of income statements, balance sheets and bank records, with liquidity, leverage and profitability ratios explained in plain language.
Learn moreCredit Risk Advisory
Credit-policy reviews, risk-scoring models and portfolio monitoring dashboards that help growing lenders and SACCOs make consistent, well-governed decisions.
Learn moreInvestment & Forecasting
ROI calculators, compounding models, cash-flow projections and break-even analysis to help individuals, SMEs and corporates plan with precision.
Try the toolsLoan & Mortgage Calculators
Reducing-balance and flat-rate amortisation, mortgage LTV, business-loan DSCR and savings projections, all denominated in UGX.
Open calculatorsTax & Payroll Compliance
PAYE, NSSF, VAT and withholding-tax computation aligned with URA guidelines, plus full statutory payslip generation for employers.
Open toolsBuild, Train & Grow
AI Training Programs
Six structured, Uganda-specific programs, AI literacy & prompt engineering, financial modelling, tax masterclass, payroll systems, data analytics and SME growth.
See programsData & BI Dashboards
Turn raw business data into decisions, KPI dashboards, trend analysis and financial reporting built in Excel, Power BI and Python for Ugandan organisations.
Discuss a buildWebsite & Report-Template Development
Bespoke websites and reusable report templates, the same craft behind Acylia's own tools and consistently branded client reports.
Discuss a buildFree Curated Learning
40+ hand-picked free courses across finance, Excel, tax, IT, data and AI, organised into job-ready learning tracks for Ugandan professionals.
Browse coursesCorporate Advisory
Enterprise financial modelling, AI-integration roadmaps and bespoke advisory for large organisations across East Africa.
Talk to usBespoke Financial Modelling
Custom models for your enterprise, scenario planning, multi-entity payroll and investor-ready projections built to your specification.
Request a modelTailored to Your Scale
Individuals
- Personal loan & savings tools
- Mortgage affordability
- Retirement projections
SMEs
- Payroll & NSSF
- Cash-flow forecasting
- Tax compliance & AI literacy
Lenders
- Independent credit reviews
- Risk-scoring frameworks
- Portfolio analytics
Corporates
- Enterprise modelling
- AI integration roadmaps
- Multi-entity payroll
Not Sure Which Service Fits?
Tell us the decision you're facing. We'll point you to the right tool or build the analysis you need.
Credit & Cashflow Analysis, Done Properly
A structured, evidence-led way to understand credit risk. We analyse cashflow, test affordability under pressure and grade borrower quality, so individuals, SMEs, lenders and investors can make confident, well-documented decisions.
Every Shilling Accounted For
We look beyond headline figures. Income is traced back to its source, regular earnings are separated from one-off receipts, and committed expenses are mapped against the proposed repayment, so affordability is measured on evidence rather than assumption.
The result is a clear, defensible picture of what a borrower can sustainably carry, the only sound basis for a credit decision.
- Income stability and seasonality analysis
- Debt-to-income and debt-service coverage ratios
- Stress testing under income and interest-rate shocks
- Every assumption documented and traceable
Stress-Tested Affordability
Four Analysis Services
Use one on its own or combine them, from a single application to a whole portfolio.
Cashflow & Affordability Analysis
Income and expense analysis from real records, monthly trends and debt-service coverage, showing exactly how much a borrower or business can comfortably repay.
Financial Statement Review
Income statement, balance sheet and cashflow review with liquidity, leverage and profitability ratios, benchmarked and explained in plain language.
Credit Risk Scoring & Portfolio Insight
Scorecard design, risk-grade calibration and portfolio dashboards that track arrears, concentration and trends, for SACCOs and lenders growing with discipline.
Report Design & Presentation
Clean, reusable report layouts with charts, summaries and a consistent house style, so complex analysis is easy to read, share and act on.
Clear Outputs, Built for Decisions
Every engagement ends with outputs that are easy to read, easy to share and easy to act on.
Analysis Report
Detailed findings on income, expenses, ratios and trends, supported by charts, with every assumption clearly documented.
Risk Assessment
A 5C risk grade, stress-test results and the key strengths and concerns set out side by side.
Decision Brief
A concise summary with a clear recommendation and the headline numbers a decision-maker needs at a glance.
The 5C Framework
Every borrower is assessed across five classic credit dimensions, scored, banded and defensible.
Capacity
Verified income versus obligations, measured with debt-service and debt-to-income ratios.
Capital
The borrower's own stake, deposits and net worth behind the request.
Collateral
Quality and value of any security, and how well it covers the amount borrowed.
Character
Credit history, repayment track record and the consistency of information provided.
Conditions
Sector, seasonality and macro context affecting repayment.
The Decision
A clear recommendation with the reasoning laid out for the decision-maker.
Analysis for Every Credit Decision
Individuals
Know what you can afford before you borrow
SMEs
Funding-ready numbers for working capital and growth
SACCOs & Lenders
Independent second opinions and portfolio reviews
Investors
Due diligence on businesses and counterparties
Every analysis is shaped around the decision at hand, whether you are borrowing, lending or investing.
Underwrite With Confidence.
Share the financial records and the decision you are facing. We will return a clear, well-documented analysis you can act on.
Free Uganda Calculators in UGX
Compute monthly repayments, interest breakdowns, amortisation schedules, savings and investment projections, aligned with Uganda's lending environment. Need PAYE, NSSF or VAT? Open the Tax & Payroll tools →
Need a Deeper Analysis?
Our experts build bespoke financial models and full borrower credit assessments for your enterprise.
PAYE, NSSF & VAT Calculators
Fully aligned with URA guidelines, compute PAYE, NSSF contributions, VAT at 18% and full payslips instantly. Built for Ugandan employers and employees, in UGX.
URA PAYE bands (2024/25): 0–235,000 → 0% · 235,001–335,000 → 10% · 335,001–410,000 → 20% · 410,001–10,000,000 → 30% · above 10,000,000 → additional 10%.
NSSF rates: Employee 5% · Employer 10% · Total 15% of gross salary.
Uganda Tax & Statutory Rates
| Item | Rate | Notes |
|---|---|---|
| VAT (standard) | 18% | On taxable supplies |
| Corporate Tax | 30% | On taxable profit |
| WHT, Services (companies) | 6% | To resident companies |
| WHT, Professional | 15% | Individuals |
| WHT, Rent / Dividends / Interest | 10–15% | Per category |
| NSSF, Employee / Employer | 5% / 10% | 15% total of gross |
* Uganda Revenue Authority rates. Always verify current rates at ura.go.ug. Acylia provides full URA-aligned tax compliance support.
End-to-End Payroll Support.
Need NSSF filings, URA remittance and full statutory compliance for your team? Acylia handles payroll processing end to end.
Upskill in Finance & Technology, at Zero Cost
Acylia has hand-picked the best free courses from the world's leading platforms, Anthropic, Coursera, edX, Khan Academy, Google and Microsoft, organised by track so Ugandan professionals can build real, job-ready skills without spending a shilling.
Anthropic Academy, Learn to Build with Claude AI
Free, official courses from Anthropic covering prompt engineering, Claude Code, the Claude API and practical AI workflows. Fully accessible from Uganda and directly relevant to how Acylia builds its own tools, the perfect foundation before our in-person AI programs.
Courses & Certifications
Filter by discipline. Every course below is free to access or free to audit.
Anthropic Academy, Build with Claude
Official free courses on prompt engineering, Claude Code, the Claude API and real-world AI workflows. The same craft behind Acylia's own AI tools.
Enrol FreeAI for Everyone
Andrew Ng's non-technical AI course for business professionals, how to use AI strategically and lead AI transformation in your organisation.
Enrol FreeGenerative AI for Business Leaders
How generative AI transforms business operations, finance and customer service, practical guidance for leaders implementing AI in Ugandan businesses.
Enrol FreeFinancial Markets
Robert Shiller's legendary course on how financial markets work, risk management and behavioural finance, one of Coursera's most-enrolled.
Enrol FreePersonal Finance for Beginners
Budgeting, saving, debt, insurance and investing explained simply, ideal for individuals managing personal finances in Uganda's economy.
Enrol FreeFinance & Accounting for Non-Finance Professionals
Makes financial statements, cash flow and key ratios accessible to any manager, entrepreneur or SME owner in Uganda.
Enrol FreeExcel Skills for Business
Four-course series from basics to advanced, pivot tables, lookups, dashboards and automation. One of the most practical free Excel courses.
Enrol FreePower BI for Business Intelligence
Build interactive dashboards and reports with Power BI, connecting data from Excel, databases and cloud services, widely used by finance teams.
Enrol FreeAccounting Fundamentals
Double-entry bookkeeping, debits/credits, income statements and cash flow, the accounting bedrock every business owner needs.
Enrol FreePayroll Accounting & Tax
Payroll processing, PAYE concepts, tax deductions and statutory contributions, complements Acylia's PAYE and NSSF calculators.
Enrol FreeTaxation in Developing Economies
Free IMF training on tax policy, VAT, income tax and tax administration in developing economies, directly applicable to Uganda's URA framework.
Enrol FreePython for Everybody
The world's most-enrolled programming course, Python from zero: variables, loops, functions, files and databases. Foundation for automation.
Enrol FreeResponsive Web Design
Full HTML and CSS curriculum with hands-on projects, build real websites from scratch, with a recognised free certification.
Enrol FreeGoogle IT Support Certificate
Industry-recognised IT certificate covering networking, operating systems, security and troubleshooting, opens IT roles across East Africa.
Enrol FreeGoogle Data Analytics Certificate
Comprehensive program, data cleaning, analysis, SQL, Tableau and R, highly valued by employers and applicable to financial reporting roles.
Enrol FreeData Analysis with Python
NumPy, Pandas, Matplotlib and data visualisation with Python, using real-world financial and business datasets. Free certification included.
Enrol FreeGoogle Digital Marketing & E-Commerce
Digital marketing, SEO, email campaigns and e-commerce fundamentals, for Ugandan SMEs growing their online presence and customer base.
Enrol FreeShowing a curated selection of our 40+ free courses. Ask us for the full track list.
Recommended Learning Paths
Curated sequences, from zero to job-ready, in disciplines relevant to Uganda's economy.
Financial Analyst Track
6–9 months · 4 steps- Accounting FundamentalsKhan Academy · Beginner
- Excel Skills for BusinessCoursera · Beginner–Intermediate
- Financial Analysis for Decision MakingedX · Intermediate
- Financial Markets, YaleCoursera · Intermediate
AI-Ready Professional Track
2–4 months · 4 steps- Anthropic Academy, Build with ClaudeAnthropic · Beginner
- AI for EveryoneCoursera · Beginner
- Generative AI for Business LeadersMicrosoft · Intermediate
- Acylia AI Literacy & Prompt EngineeringAcylia · In-person, Kampala
Data Analyst Track
6–9 months · 4 steps- Statistics & ProbabilityKhan Academy · Beginner
- Excel to MySQLCoursera · Intermediate
- Google Data Analytics CertificateCoursera · Beginner
- Power BI for Business IntelligenceMicrosoft · Intermediate
SME Owner & Entrepreneur Track
3–5 months · 4 steps- Personal Finance for BeginnersKhan Academy · Beginner
- Finance & Accounting for Non-Finance ProsCoursera · Beginner
- Wharton EntrepreneurshipCoursera · Intermediate
- Anthropic Academy, Build with ClaudeAnthropic · Beginner
Go Deeper with Acylia
Beyond free self-study, six structured, Uganda-specific programs delivered by expert practitioners in Kampala.
AI Literacy & Prompt Engineering
Hands-on training using ChatGPT, Claude and Copilot for business writing, analysis, reporting and automation.
EnquireFinancial Modelling in Excel
Build professional models, cash-flow forecasts and scenario analyses tailored to Uganda's SME and corporate environment.
EnquireUganda Tax Compliance Masterclass
Deep-dive into PAYE, VAT, NSSF, WHT and corporate tax under URA's 2024/25 framework, case-study driven.
EnquirePayroll Management & HR Systems
End-to-end payroll, NSSF submissions, PAYE remittance and employee records aligned with Uganda's Employment Act.
EnquireData Analytics for Finance
Use Power BI, Excel and Python to turn raw business data into decisions, dashboards, trends and reporting.
EnquireSME Growth: Strategy & Digital Tools
Holistic program for owners, strategic planning, financial management, digital adoption and scaling operations.
EnquireStart Learning Today, It's Free.
Use Acylia's calculators alongside your studies for real, hands-on practice with the concepts you're learning.
Tell Us What You Need
Whether it's a borrower credit assessment, a payroll setup, an AI programme or a bespoke build, we'll respond within one business day, often much faster.
Let's Start a Conversation
Based in Kampala, serving clients across Uganda and East Africa. Pick whichever channel suits you.
Message Sent!
Thank you for reaching out. The Acylia team will respond within one business day.
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