Business / Corporate

It takes at least 30 days for us to complete our due diligence on first-time business loan applications, before disbursements can be initiated, if approved.

It takes less than 7 days for disbursements to be initiated for repeat/existing or returning business customers. Occasionally may be instant or under 24 hrs.

We do not provide instant or emergency loans to first-time business / corporate borrowers.


Individual / Personal

It takes at least 14 days for us to complete due diligence for first time individual/personal borrowers, before disbursements can be initiated if approved.

It takes less than 72hrs for disbursements to be initiated for repeat/existing or returning individual/personal customers, if approved.


Payment Accounts

We disburse from bank accounts or mobile payment accounts, from the following sources only:

- SM Financial Ltd, or

- Dedicated account of the group founder, Isaac Osei (temporary and in compliance with company/group board resolution and in line with our faster payment infrastructure, until post beta phase. Such accounts are not necessarily managed by the founder, but managed by qualified, trusted in-house staff with full auditable trail compliance.

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 self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining, including key synergistic acquisitions and regulation for some aspects of our operations).

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.
Applicants must be 18 or over. 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. Do not contact us if you don't qualify to apply for any loan type - instead take steps to meet our lending requirements.
Please note that there have been an increasing number of attempts to defraud Sikamaster clients. Please take every necessary measure to ensure that your account information is secure! Learn more.
Aside lending, our website offers information about saving, investing, tax and other financial matters, but not personal advice. 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.