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.

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.