Trotro 'Work & Pay'

Enjoy the convenience of driving and owning your own trotro vehicle. Eligibility is open to transport operators, trotro and taxi drivers.


Loan Features

• Vehicle bought from/through Glostar Motors Ltd only.

• No upfront fees/deposit.

• Minimum of 5% of vehicle cost only due on the day of the handing over, but proof of 5% will be required in the form of a bank statement or investment account from a regulated financial institution, before processes will be initiated.


Basic Requirements

• Vehicle to purchase must not be more than ten (10) years old.

• For transport Operators: must own at least one (1) vehicle and be in business for more than a year.

• For Drivers: must have more than 2 years commercial driving experience and be member of a transport union.


How to apply

Kindly complete a short online application form 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 self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining, including key synergistic acquisitions and regulation for some aspects of our operations).

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.
Applicants must be 18 or over. 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.
Please note that there have been an increasing number of attempts to defraud Sikamaster clients. Please take every necessary measure to ensure that your account information is secure! Learn more.
Aside lending, our website offers information about saving, investing, tax and other financial matters, but not personal advice. 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.