Private Sector: Pre-approved Employers' Employees

It provides loans to those employees of companies who already have an existing secured corporate/business with any of our merchant partners.

No collateral is required to be provided by this type of employee, as the liability is on their employer. Note: Your employer will approve of your loan request by giving you a token to enter on your application with us. Without the token, you cannot make an application as any attempt to submit your application will automatically be discarded by our systems.


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


Pre-approved Employer:

These are offered to employees of institutions that have a signed memorandum of understanding with us. No collateral required.


Features & Benefits

• Employees of these institutions can have access to loans without the condition of maintaining prior to getting a loan.

• Prospective borrowers will be provided with a key string that the pre-approved employer generates on our website, that the borrower needs to enter to complete and submit their application.

• 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.

• Loan ranges from ghs200 to ghs20,000

• Repayment: 1-24 months

• Payment mode: Monthly Amortisation (Principal plus Interest)



• Proof of Tier-I or Tier-II registration

• One(1) Passport Photo

• Proof of ID - Any valid government-issued photo-id. It can be a passport, voter's id or drivers' license. We do not accepted NHIS card at the moment.


How to apply

Kindly complete an online application form here for this type of loan.




If you do not qualify for this Unsecured Private Sector Salary Loans, then you can consider our Secured 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.