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. 

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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