Merchant Partnerships

Sikamaster Commercial Partnerships aim to promote bilateral business and cooperation between us and forward-thinking businesses in Ghana. A finance option that gives business owners the peace of mind to make more and more sales without having to lock-up capital in unsold inventory for months, if not years -- by providing loans to your customers the flexible loan terms and conditions when they buy from any of our merchant partners in-store or online. You get paid in full by us and your customers get to pay us by instalments. No Liability and No Risk for You (The Merchant). All liabilities are on us and we hold all risk.


How it works

It takes less than 5 minutes to setup qualified businesses that have met our requirements, to set you up and running.

After setting you up, you can sell to prospective buyers on credit -- we pay you in full and your customers pay us in instalments.




Sales Boost

Businesses boost sales and/or grow their businesses. You can boost your business and sales to whatever level you want. You are only limited by what you want for your business. We pay you in full and we lets your customers pay us for your purchases in installments, instead of upfront.


In-Store Acceptance

For customers who walk into your store or shop, you can quickly verify them, and close the sale almost immediately. 


Online Acceptance 

The point-of-sale lending at e-commerce is simply seamless with our underwriting model. This payment gateway (API) which you can download and upload onto your website as an extension, has a POS device later to be added is being rolled-out with DCANS Pay (our partners).


Safe & Secure Transactions

With online purchases comes a greater risk of fraudulent card activity. To mitigate fraud, we run our own internal fraud detection systems to alert our team on unusual transaction behaviour and work closely with our merchants to minimise any loss experienced.

During the application process we will discuss security on your website to ensure that it meets our anti-fraud requirements.


Related Links

Merchant Partner List

Becoming a Merchant Partner







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.