Quick Salary Loans

A SikaMaster Salary Loan is the fast, simple and hassle – free way to borrow money for just about anything worthwhile. You can: take a well – earned holiday, buy some furniture or white goods or undertake some minor home renovations.
Quick Salary Loans

SME Business Loans

SikaMaster provides micro enterprise loans for existing small businesses.
SME Business Loans

Lines of Credit

Up to GHs10,000

An All-in-One BetterLife Loan Product. Available to Trusted Verified Clients.
Lines of Credit
In a fix and in need of cash? You are at the right place. Applying is easy. But there are a few things you can do now to make it even easier and faster.
Individuals must be employed (public or private sector), with a minimum of 2 years post-qualification employment history. Must also have a Salary Bank Account, Valid Government-issued Photo ID, Valid Phone Number and Email address. Collateral may or may not be required depending on loan type, risk profile and other factors.
Creditworthy businesses applying to borrow from us must be a registered business in Ghana and must have been trading for 2+ years ( Startups, need not meet this 2 year requirement). Must also have a Business Bank Account and a Website for their Business. Collateral may or may not be required depending on cash-flow assessment, risk profile and other factors.
No Upfront Loan Application Fees. T&Cs apply.

Useful info

Sikamaster, is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart and responsible direct lender for the working class and modern and/or scalable small, medium & large businesses, including startups.

SML is not; a microfinance institution, and neither a savings & loans company or a Specialised Deposit-taking Institution (SDI) of any form, kind or type. SML does not seek and/or accept outside capital.

Rolling out a secured, safer, convenient, revolutionary automated self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining).

Fully compliant with AML and KYC regulations.

We're Social


Ghana's 24/7 Direct Financing Hub

Not all our loans require a collateral - But if your loan requires one, any property used as security (which may include your home or pensions and/or business assets, or personal guarantees) may be repossessed if you do not keep up repayments on a loan or any other debts secured on it. Our Repayment Assistance Programme is available to qualified borrowers only.
Please read Terms & Conditions, Cookies Policy, Privacy Policy, Data Retention Policy, & Modern Slavery Policy before using this website or our service.
All loans are subject to affordability, applicant verification, traditional credit checks and TDG Scoring via various national databases in accordance with Sikamaster''s responsible lending policy. If you're not sure whether Sikamaster Loans lending is right for you, please seek independent financial advice, and if you decide to borrow from us, please read our How We Operate before you proceed.