Becoming a Merchant Partner

Minimum spend by your customers should be at least ghs50. No upper limit required so long as your customers income/revenue level supports comfortable repayments with set periods.


How this can help your business

You'll probably find that many of your customers already qualify to borrow on credit, by virtue of being a government salaried worker, private sector workers, other businesses, etc etc. They would love to buy what you are selling now, but they don't have the cash to pay for it now, unless the month ends or they get paid by the next payday, and you too are scared of a default if you offer it to them on credit-- Even if you decide to offer it to them on credit, you still have to waste time, money and other resources having to trek to their homes or workplace to chase your cash -- wasted effort, even if you are lucky to be paid by them at all as prepared.....This is what this service avoids.

Offering Sikamaster Instalment Loan as a payment method is a fantastic way of letting your customers buy whatever they want from your store/shop with a bit of extra 'breathing space' to pay for it -- we pay you in full for their purchase and they instead pay us in bits every month, week or day.


Basic Requirements

• Any modern business can sign-up, be it registered or unregistered.

• If you already have a website for your business, you are required to move your hosting to PC24 Stores (our partners).

• If you don't have a website, you are required to setup one with PC24 Stores.

• Your website can either be a corporate website or an ecommerce website. Note that, whilst a basic corporate website can still qualify you for this service, it is the ecommerce website that enables you to take full advantage of this service, both in-store and online.

• No Upfront Fees required to setup the Merchant Partner account with us, but take note that, Web Hosting Fees are required by PC4 Stores to setup a hosting account for your business-- the only fee that you may be required to pay to our webhosting partners, if you already have a website. On the other hand, if you require our hosting partners to help you with designing (or re-designing) your website for you, it obviously will come with additional fees & charges with them.



How to Apply

Send us the URL of your website via email, after setting it up with PC24 Stores, or complete the short form below and we would get back to you in 72hrs of receipt.


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.