Banned email addresses

As part of our KYC and anti-fraud policies, you cannot email us from any of the free mail providers accounts as a business or qualified private sector employee, including but not limited to gmail, hotmail, or yahoo --


Public Sector Salaried Workers (CAGD) Email Support

Only Public Sector Salaried Workers (CAGD) can send us an email from any of the free mail providers (hotmail, yahoo, gmail, etc) but together with a valid GoG Payslip details.


Private Sector Employees / Workers

If you work in the private sector, you can only contact us from your customised private email address of your employer's website address and not from any of the free email providers. If your employer doesn't have a website, then you do not and cannot qualify for our private sector salary loans. Employers for employees for private sector loans must strictly be limited liability registered companies.

For example, if you work for a company by name abc limited and your employer's website is for example and you are called Kofi Yeboah, you can only send us any enquiry in the format - This email address is being protected from spambots. You need JavaScript enabled to view it. , This email address is being protected from spambots. You need JavaScript enabled to view it., etc -- it doesn't have to be this exact fort, but must be on say . Users

Individuals who are mainly private sector employees and occasionally public sector workers who qualify via any of our merchant partners are issued with private email address free-of-charge in the format This email address is being protected from spambots. You need JavaScript enabled to view it. in place of their free email address (like gmail, yahoo, hotmail, etc) before they can proceed to apply for a loan product on this website. + learn more.


Business / Corporate Customers/Clients

Business / Corporate customers/clients can only email us from their business or company's email address. You are advised to send us an email from the email of your business or company website. If you don't have a website, we cannot deal with you.

Your website doesn't have to meet our business website requirement at the pre-loan application stage. That is, you can email us from the private email address of your existing webhosting account of your business website, and not from any of the free email address (gmail, yahoo, hotmail, etc etc)

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.