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.

Quick Notice

Sikamaster, 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 schemes, buy now pay later products, bridging loans, trusts, overseas mortgages, and conveyancing or debt management.

Rolling out a secured, safer, convenient, revolutionary automated self-care, ethical, no upfront fee, non-deposit taking direct lending platform in phases (three phases remaining).The information contained within this website is subject to Ghana regulatory regime and is therefore targeted at customers based in Ghana. Fully compliant with non-offer of regulated products, AML and KYC regulations.

All Business Loans have been moved to GHStartups.com (a sister company). GHStartups.com provides loans to all kinds of businesses, be it large or small and not necessarily startups alone. All Rent Loans have also been moved to RentNowPayLater.net and RentToBuyGhana.com. 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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