Customer Protection

We strictly lend to qualified borrowers only, and it is our goal to educate our clients about taking loans safely.

We maintain trust by ensuring that we deal fairly with their customers and always act in their best interests. To help customers understand what product they are buying and the risks they are taking, “disclosure alone is not enough.


Submit a complaint

You may submit a complaint if you feel that:

• We have acted wrongly or illegally toward you;

• You have been a victim of fraud;


Protect yourself

The best protection starts with knowledge. Responsible lending and borrowing are the two main components of a good loan experience. Find out how to be a responsible borrower and what we do as a responsible lender.


Know the figures

Before applying for a loan, take note of our interest rates and repayment terms. Decide which loan suits you and what amount you can afford to pay back, based on your knowledge of all the details.

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 self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining, including key synergistic acquisitions and regulation for some aspects of our operations).

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.
Applicants must be 18 or over. 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.
Please note that there have been an increasing number of attempts to defraud Sikamaster clients. Please take every necessary measure to ensure that your account information is secure! Learn more.
Aside lending, our website offers information about saving, investing, tax and other financial matters, but not personal advice. 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.