Who We Are

We are a small company by design, and for several years, this structure has served our customers extremely well. We work to ensure the greatest amount of flexibility in structuring your financing. Whether you're a first-time borrower or a seasoned borrower in need of special financing (i.e. estate tax, self-employed, divorce, second home, real estate investor), we are the direct lender for you.

Sikamaster offers the most aggressive loan products and pricing models to customers as a direct lender. We have developed multi-faceted investor relations, which has made us a recognized leader with a wide array of products serving different customer groups.

We offer:

- More than 12 years of industry experience

- Competitive rates

- Attention to detail

- A knowledgeable, friendly staff

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.