Who we are

Sikamaster Loans is a direct lender and not a broker. This means you are not dealing with a middle-man when you talk to us, so if you can afford to borrow the money you need, and meet our requirements, we will lend it to you. Sikamaster has lending independence but is accountable for results to it's funding partners and/or parent company. 

With our non-deposit taking and/or no upfront fee direct lending business model, there’s no needed to go fundraising, and neither is there a need to go prove to the investor community and/or prospective borowers that we’re a viable company.



To provide excellent financial services through a well trained and motivated personnel to enhance stakeholder value while contributing to social progress in Ghana.



To be the premier provider of financial services in Ghana.


Name Origins

SikaMaster is obviously a combination of the words 'Sika' and 'Master'.

Sika is the local Ghanaian name for money or cash (in the Akan language)

Master is a reflection of our quest to dominate the non-bank lending space in Ghana and beyond, over several strands, with cutting edge technology.


Parent Company

Part of The DCANS Group.


Core Values

Teamwork – We believe working together as a team, we achieve

Oriented to Serve Customers – We are committed to exceed customers’ expectations

Integrity – We are upright in all our dealings

Quality – We deliver the right product and service at the right time and place

Accountability – We are answerable to all our stakeholders


The principles and beliefs on which the business is founded and that determine staff behaviour and business relationship.

Regulatory Compliance


Sikamaster (SML), is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart & responsible direct lender for the working class (we don't lend to the unemployed). 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. SML does not charge any upfront fees before lending.

The Bank of Ghana (BoG) does not regulate some forms of no upfront fee non-deposit taking financial services, buy to lets, seller financing, commercial mortgages, secured loans, unsecured loans, earned wage access or workplace loan schemes, buy now pay later products, bridging loans, trusts, overseas mortgages, and conveyancing or debt management.

Our loans are strictly for existing customers of The TDG Ecosystem (including employees of existing business customers of GhanaStartups.org, existing tenants of RentNowPayLater.net and all Private-Sector Salaried Workers recruited via TDG Jobs Ghana platform). Our Home Mortgages can only be used to buy from or through DCANS Properties.

All Business Loans have been moved to GhanaStartups.org (a sister company). GhanaStartups.org provides loans to all kinds of businesses, be it large or small and not necessarily startups alone. All Construction Loans have been moved to Build Now Pay Later. All Auto Loans have been moved to Glostar Motors.

All Buy Now Pay Later (BNPL) Loans (incl interest-free and interest-bearing) have been moved to DCANS Pay (a sister company).

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