Growth & Acquisitions

We actively seek strategic opportunities both in Ghana and globally that have strong potential to generate significant long-term returns while further benefiting our shareholders and driving the group's economic growth.

Growth is primarily organic, but physical footprint being achieved via complimentary acquisitions, to take better advantage of distribution channels and different geographic area not currently covered, a well as for relevant regulatory option. To achieve growth, market share, economies of scale, and marketing clout, a well as far reaching customer benefits.

Sikamaster Loans has access to between $200,000 and $100m+ (expected to grow through 2022 to circa $2b as part of the group's significant liquidity reserves) via group available channels to grow via viable acquisitions, within March 2020 and December 2022.

The time scale outlined by the group involve beating many (or perhaps all) of the established players, by making minority stakes to controlling interests to full ownership of existing players with complementary structures.



Sikamaster is always looking to acquire lenders, and financial institutions at large any size. Our goal is not only to expand our business, but also to help those that want to exit the financial service industry. If you’re looking for an exit strategy, we’d love to speak with you. Not every acquisition is alike and so we treat every opportunity with an impartial and professional approach.

We want to be sure that your hard work doesn’t go to waste. To speak with us regarding selling your finance business, contact our acquisitions team at: This email address is being protected from spambots. You need JavaScript enabled to view it. 

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, existing tenants of 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 (a sister company). 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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