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 individuals 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 to see what is required and have them at hand.

 

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 see our privacy policy.

 

.

Please login with the login credentials you were provided when you completed our pre-quaification to enable this field be automatically filled with your provided login. You can't submit this form without a valid username.


Loan Information


Your Personal Details


Your Address Details


Your Employment Details


Your Finance Details


Collateral Information


Confirmation and Declaration

 

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.