Graduate Business Loans

The rate of graduate unemployment has been on the increase. Despite the number of jobs we hear that are being created every now and then, the number of job seekers still outnumber the available jobs. Dont lapse into bouts of depression and hopelessness to eventually lead you into anti-social habits that can ruin your life.



• Loan amount between ghs500 and ghs500,000

• Interest rates range from 12% up to 24% per annum.

• Loan repayable within 3-60 months

• No early repayment charges.



• Prior business experience not required or simply just optional, so long as current passion can be demonstrated.

• Availability of Business Success Support

• Business operating premises support available, subject to minimum requirements.

• This loan qualifies for loan mobility.



• Must have completed your national service, with a proof of completion from the NSS.

• Must have completed an HND/Degree in any field from a Polytechnic/Technical University or a degree in any field from any of the accredited Universities - be it private or public, with a proof of completion in the form of your certificate will be required.

• Business Plan mandatory

• Business must be registered -- either as Sole Proprietor or a Limited Liability Company. You can even apply for funding if your business is not registered yet, but note that we would not disburse until you get the business registered in any form you so choose, with the Registrar Generals Department.

• Proof of Identity - Can be any of the following Government-issued photo IDs Passport, Voters ID, Drivers License, NHIS, National ID.


Repaying Your Instalment Loan

• Can repay via bank transfer or any of our approved alternative payment methods.


How to apply

Kindly complete an online application 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).

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.