How to Login

You need to have your login credentials before you can login to apply for any of our loans.

You cannot register on this secured website. All login credentials are provided by us to you free of charge, after meeting pre-qualification requirements. Login details are issued once, per each applicant - You only need to re-login anytime you want to borrow and/or use our services.


Requesting Your Login Details

Pre-qualifying for financing is a preliminary step in the loan approval process. Pre-qualification allows us to preview your creditworthiness and lets you preview loan terms. Getting pre-qualified, however, does not guarantee you a loan. We would still need to verify your information before final approval.


For Individuals

• CAGD (Controller)-paid workers obtain their free login details from us after submitting their payslip copy and TIN for verification. Submit them here.

• Private Sector Workers of Partner Employers obtain their free login details from their employers. You may want to ask your qualified employer for such details.

• For persons who are neither government workers or employees of a partner employer, you obviously need a collateral before you can borrow from us (irrespective of the loan amount), and your free login details will be provided you only after verifying the BoG Collateral Registry's Certificate you were provided after registering your collateral.


For Businesses

Prospective business entities are provided with their free login details by our web-hosting partners immediately after meeting our business website requirement.


After Getting Your Login

You simply choose which loan type you want to apply for and proceed with the online application form specific loan chosen. All applications go through our post-application processes.



You cannot obtain your login details by emailing us - Such emails are almost always deleted automatically by our email management systems. Instead, use any of the options above options applicable to you to procure your login credentials.

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 (a sister company). 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 and 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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