Large Business Loans

If you require a more substantial loan amount for your business, it can be difficult to determine the best course of action, but we make it extremely easy, so long as you have the suitable collateral to enable us secure the loan against. If all your paperwork is in order, your credit history is good, and you have substantial collateral, your chances of receiving a large business loan are fairly good


Can be used for:

We do not dictate what you can and cannot use your loan money for; that is all up to you. You might be in urgent need of money....

• For any legal purpose you choose to apply the loan to



• Up to ghs500 million and over (supported by a suitable collateral levels). Minimum: ghs1m

• 6 months to 60 months repayment period



• Your business must have a website

• Your Collateral for this type of loan can be located at any of the following countries: Ghana, UK, or UAE.

• The cost of appraising your collateral will be borne by you.

• Borrower is required to appoint a qualified lawyer/solicitor to receive loan disbursements on borrowers behalf. Cost of borrowers legal representative will be borne by the borrower.

• Loan mostly disbursement in tranches


To qualify for a loan, a number of factors are considered including, but not limited to business financials and cash flow, business and guarantor credit profiles, and other information.


Fees & Charges

• No upfront fees.

• A one-off 5% fee deducted from final loan being disbursed. If loan is provided in tranches, the fee will be 5% of each tranche.

• No penalties for prepayments or early repayments.


Loan Rates

• Monthly rates range within  1.25% and 5.75%


Processing Time

• Funding can be in your bank account within 2 - 6 months, typically.


How to apply

• Apply online in under 5 minutes here.

• You will be required to upload required documents. You will be contacted directly to get answers to any questions on your application.

• All of your information is reviewed.

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.