Self-Regulation

Appropriately compliant as a non-deposit-taking, no upfront fee direct lender, to accommodate our responsible, innovative and creative financing strategies within certain parameters - in filling the void left by traditional bank lending and in providing a crucial source of capital for small- and medium-sized businesses and other creditworthy borrowers.

 

Key Considerations

• Code of conduct and

• Standardised interest rate and fee disclosures

• Treating Customers Fairly

• Non-predatory lending practices

• Effective risk assessment and management

• Principles of transparency and accountability: transparent pricing and terms

• Responsible underwriting and lending

• Non-discriminatory, credit access, and fair collection practices

• Repayment Assistance Programmes

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.