If you already have your login credentials you are expected to login before you can complete and successfully submit your online application.

The loan application form below applies to business / companies / corporate loan applicants only. The application will take around 25-30 minutes and you cannot save the file before submitting it. We, therefore, recommend that BEFORE you apply, you scroll down and update yourself of the details and supporting documentation we require and have them at hand before starting the application.


About Your Data

All your information is for internal use only. We will treat them confidentially. For information about what we do with personal data and non-public business information see our privacy policy.



If you have been pre-qualified, your username will automatically appear here after you have logged in. Without a valid username, you can't proceed and/or submit your online loan application. You can't submit this form without a username.


This field is automatically filled in with the website we have on file after you login before applying.

Your Trading Address NOT Your Registered Office. You may skip if you work from home or an internet-only business.

Your Trading Address NOT Your Registered Office. You may skip if you work from home or an internet-only business


List of loan products.

PDF Format Only.

PDF Format Only.

PDF Format Only.

PDF Format Only.

PDF Format Only.


Budget for how you intend to spend the loan amount quoted above. PDF Format Only.

PDF Format Only.

D. YOUR BUSINESS BANK ACCOUNT DETAILS (this should be your main business bank account. If approved your loan will be deposited into this account.


House Number


I confirm that the information provided is true and accurate to the best of my knowledge. I authorise you, Sikamaster, to make any credit reference and other enquiries in accordance with normal procedures for the processing and administering of loan applications, and to use the data provided in the provision of data for funders.

We may search the files of credit reference agencies who will record the search. We or they may share information about the way in which you conduct your account with other lenders for credit granting purposes, for fraud prevention and occasionally for tracing account holders.


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.