Basic Priorities

Credit can be a powerful financial tool, but taking out any type of loan is a serious responsibility. Before you decide to apply for a loan, it's important to carefully consider the advantages and disadvantages that can affect your unique credit picture. To qualify for financing from us, review the following basic priorities and comply accordingly

 

For Individuals

Public Sector Workers

All of the following must be in place before you contact us and/or apply for financing from us as a public sector salaried worker...

1. Staff ID

2. Valid Salary Bank Account (must be a current account)

 

Private Sector Workers

All of the following must be in place before you contact us and/or apply for financing from us as a business...

1. Must either work for any of our approved partner companies (no collateral required), or

 Must work for any non-partner company, but must provide a collateral

2. Valid Salary Bank Account (must be a current account)

 


 

For Businesses

All three(3) of the following must be in place before you contact us and/or apply for financing from us as a business...

• Your business must be registered with the Registrar General's Department

• You must have a bank account for your business (obviously in the name of the name and not personal names)

• You must have a website for your business

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 self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining, including key synergistic acquisitions and regulation for some aspects of our operations).

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.
 
Applicants must be 18 or over. 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.
 
Please note that there have been an increasing number of attempts to defraud Sikamaster clients. Please take every necessary measure to ensure that your account information is secure! Learn more.
 
Aside lending, our website offers information about saving, investing, tax and other financial matters, but not personal advice. 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.