Pre-Application

The qualified borrower is expected to take steps in meeting the loan requirements of particular loan of interest.

Loan requirements for each of our loans are different. Kindly take note of the requirement applicable to the loan type you are applying for before you apply. If you do not qualify for a particular loan, please do not apply.

 

Bank Account

All prospective borrowers are expected to have a bank account in their own names. Individual applicant must have bank account

 

Mobile Money Wallet

You can receive loan disbursement in your mobile money wallet, but not until you have first received it in your bank account with a bank.

 

 

 

Related Links

• Post-Application / Pre-Lending

• Post Lending

• Repaying Your Loan

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 automated self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining).

Fully compliant with AML and KYC regulations.

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.
 
Please read Terms & Conditions, Cookies Policy, Privacy Policy, Data Retention Policy, & Modern Slavery Policy before using this website or our service.
 
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. 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.