Proof of Identity

In order to progress with your loan application you are required to provide proof of identification. We accept a number of different forms of ID, but you only need to submit one from the list below...

Please note, we can only accept scanned copies of original physical documents as proof of ID.

Types of ID
- Ghanaian Passport                          - Voter's ID
- Ghana Card                                   - Driving Licence

Ghana Passport
Your passport must:
- Be valid                                          - Not have expired

We need to see:
- Name
- Photograph
- Signature
- Expiration date
- Date of birth
- Machine readable zone (MRZ)

Ghana Driving Licence
Your licence must:
- Be valid
- Not have expired
- Have been issued in Ghana
- Be a full licence and not provisional

What we need to see:
- Name
- Photo
- Address
- Date of birth
- Expiration date
- Signature

Privacy Policy
All sensitive data and personal information provided to Sikamaster Loans as part of your application is encrypted and stored securely. We will only ever use your data to inform the loan application process, to notify you of changes to our services, or to provide you with marketing information that you request. We will not pass your information to third parties for their marketing purposes.

For more information, please view our Privacy Policy.

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.