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 include:


1. 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)


2. Private Sector Workers

     Must be an employee of a Limited Liability Company (LLC) with an existing employer account with


3. Employees and Staff of The DCANS Group subsidiaries and affiliates

Login details are provided to you by participating sister company.


4. Existing Customers of TDG Ecosystem Partners

Our Loyal Repeat Customer Loans are obviously available to existing customers of the TDG Ecosystem platform.


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. 

Regulatory Compliance


Sikamaster (SML), 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 or workplace loan schemes, buy now pay later products, bridging loans, trusts, overseas mortgages, and conveyancing or debt management.

Our loans are strictly for existing customers of The TDG Ecosystem (including employees of existing business customers of, existing tenants of and all Private-Sector Salaried Workers recruited via TDG Jobs Ghana platform). Our Home Mortgages can only be used to buy from or through DCANS Properties.

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 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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