Founder's Message

Welcome to our website. I hope you find it informative, interesting and clear. Collectively, our team has several years of relevant experience, which provides us with the opportunity to review and reflect on the cycles we have encountered and what we have learned about our industry and ourselves.

Our ambition is to be the best in our business and the lender of choice to our clients who seek solutions within the financial services space. We have a company with specialists from varied backgrounds and experience covering all aspects of financial and/or investment services like trading, lending, real estate, property financing. The team works in tandem to offer the clients a complete solution.

Our goal is to provide quality, comprehensive affordable financial services to all individuals and businesses in a comfortable and safe environment. We strive to recruit the best professionals available while supporting them with qualified, culturally competent, compassionate staff. We will continue to look for new opportunities where we can collaborate and partner to promote wellness and a better quality of life for all.

We strongly support an approach of promoting from within and encouraging our people to follow their interests. Our employees are the future of our company. We dedicate ourselves to providing an environment that welcomes their creativity and new ideas, provides challenges for them to strive to be their best, and allows our people to find and follow their passions.


Isaac Osei.

BSc. Human Biology (KNUST) || MBChB Medicine & Surgery, KNUST-KATH (I)

Founder, The DCANS Group Limited || Founder & Patriarch, Osei Single Family Office (OSFO).

Facebook || Twitter || Linkedin

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).

We're Social