Other Private Sector Employers

It provides loan to those salaried employees gainfully employed in reputable establishments. If you earn a regular monthly income and needs immediate financial assistance, avail our Salary Loan package now!

It is a loan solution best for: tuition fees, medical emergencies, bills payment, personal consumption.


Features & Benefits

• Deductions are made by the employer through the payroll. The employer then remits the payment to us monthly.

• The monthly loan repayment should not exceed 50% of the bankable salary.

• Repayment: 1-12 months

• Payment mode: Monthly Amortisation (Principal plus Interest)



• Proof of Tier-I and Tier-II registration

Collateral may be required


How to apply

Kindly complete an online application form here in just few minutes.




This salary loan type does not carry the same lending guaranteed that comes with our government workers salary loans and our pre-approved employers' employee salary loans.

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.