Pre-Qualifying

Pre-Qualification required to procure a username to enable you login and apply to submit your loan application. It's free of charge to request for your login credentials.

 

Pre-Qualification as applies to:

Public Sector - Controller Paid

You need to provide us with your most recent payslip, valid photo id, and TIN here. Your login details will be emailed to you within 24 hours of receiving required documentation.

 

Public Sector - Not Controller Paid

You need to provide your most recent payslip, valid photo id, and TIN here. Your login details will be emailed to you within 24 hours of receiving required documentation.

 

Private Sector - Partner Employers

You should ask your employer for your login details for our platform.

 

Private Sector - Not Partner Employers

You need to provide your most recent payslip, valid photo id, and TIN here. Collateral may be required for this category of salaried workers. Your login details will be emailed to you within 24 hours of receiving required documentation.

 

DCANS Group / Subsidiary Employee

Ask your employer (a sister company) to provide you with your login details.

 

TDG Ecosystem Existing Customer

If qualify for a TDG Number in this category, you can go ahead and request for your login details on this platform from your outfit (a sister entity) that provided you with the TDG Number.

 

Being pre-qualified does not guarantee you will be approved. Every application is assessed individually.

 

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.