Sharia Business Loans

No riba (interest/usury) on this loan. Not to businesses, including those involved with armaments, pork, tobacco, drugs, alcohol or pornography.

We reserve the right to request additional documents regarding the borrowers Islamic faith in order to move the loan process forward.



• Minimum loan : $10,000

• Maximum loan: $5m

• Competitive variable or fixed interest rate in Ghana cedis, US dollars, GB pounds sterling or euro.



• Work in the public or private sector, including self-employed.

• Earn a minimum net salary of ghs1,000 or $1,500 a month

• Be permanently employed

• Be a high net worth individual considering buy-to-let options

• Be over 21 years and under/at 60 years by the end of the loan term.

• Fill in a Home Loan Application form and attach the following supporting documents:

- Proof of income – past three months’ payslips · Proof of past two years’ employment

- Proof of identity – passport, driver’s licence, Voter’s Identity Card

- Proof of residence

- Offer letter from developer (for Home Purchase, Developer Construction and Employee Mortgage Scheme)

- Bill of quantities, building plan and permit (for home improvement and developer construction)

- Property title documents (To begin title search)

- A Valuation Report from one of our approved valuers will also have to be given to us

- Loan will be approved subject to a positive credit bureau report


How to apply

Kindly complete an online application form here to get started.


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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.

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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.
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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.