Business Line of Credit

As a business owner, it is advantageous to have access to cash on hand when your company needs it. Businesses have cycles have many times "ups" and "downs." If not properly managed, these can cripple growth. Cash flow can be stifled during the down times. As entrepreneurs know, cash flow is a critical component for a business to either expand or, at times, just stay afloat. This type of financing can provide assistance during difficult times or other uses as well.

A business line of credit is a financial cushion for a certain amount of money that can be exercised any time to meet cash flow deficits. You can access capital to utilize a variety of needs - you can use it at your disposal for any type of business utilization. In most cases, you need to be an existing client with any of our merchant partners, however, if you have collateral and meet other requirements, you can get a line of credit for your business with us.

A business line of credit is very similar to a business credit card. One of the great advantages of a business line of credit is that you can use the funds at any time that you desire. You are only charged interest when the funds are used. The interest charges are eliminated as you pay the credit down. It's an excellent financial medium to help expand your company or as a safeguard for emergencies or any other business needs.

You will need have an active existing client account with any of our merchant partners. You may be required to show that your business has been in operation for at least 12 months.

Line of credit amount is dependent on your account status and transaction history with any of our merchant partners.


Types of Line of Credit on offer

Secured Credit Line:

Accessible cash reserves from a business credit line that is given on the premise of putting up some sort of collateral. These types are often pursued by business owners with low credit scores who may not qualify for the best line of credit which is unsecured. Some common items used as collateral are but not limited too: Various investments, cars, equipment, businesses, property, homes, stocks, savings accounts, etc. Full list of acceptable collateral here.


Unsecured Credit Line:

A business line of credit that doesn’t require collateral. A person qualifies for such cards based mostly on their credit history, their financial strength of the business or their potential earnings. Credit scores are a "heavy" factor for this type of financing.


Differences between Line of Credit and Business Loans

Having a spending limit ahead of a purchase can sound exceedingly exciting.



Currently available to existing customers only.


How to apply

Kindly complete an online application form here.


Related Product

Lines of Credit also available for individuals too. See here.

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).

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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.
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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.