Target Customers

Sikamaster offers its clients a range of products and services at competitive rates. Various Sikamaster Loans are offered to clients who need access to finance solutions and who can afford to make repayments comfortably. Our qualified prospective customers and clients may include:


• Public Sector Workers

     - This can either be a Controller & Account General Department (CAGD), or 

     - a Non-CAGD Government Worker (such as police, prisons, fire service, etc)



• Private Sector Workers

     Must either be an employee of a Limited Liability Company (LLC) with a corporate or institutional loan with us, or

     - an employee of any of our Merchant Partners



• Businesses / Institutions / Organisations

     - Your business must be registered at the Registrar General Generals' Department

     - Your business can either be registered as a Sole Proprietor or Limited Liability Company (LLC) or Limited by Guarantee or Limited Liability Partnership (LLP), or some other acceptable structure under the RGD.


It is expected that the qualified borrower (or their representatives) should be able to read, write and understand basic english, to follow simple, easy to understand and interpret application procedures plainly provided on this website -- If you can't do this you don't qualify to use our services. 

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.