Construction Loans

There are 2 fundamental kinds of construction loans:

• Home construction (self-build mortgage) and

• Business construction (property development finance)



- Home construction loans are only approved when construction/development is/are being done by DCANS Developments Ltd. Once construction on your house is completed, you can either refinance this construction loan into a permanent mortgage or get a new loan to pay off the construction loan. If the borrower is contractor by self, an owner-builder construction loan can be arranged.

- Business construction loans are only approved when minimum of 50% of construction materials are to be sourced from DCANS Developments Ltd.



• Low-rate loans

• Routine inspections as the home is built, or business/commercial construction in ongoing.



• Details about the home’s or business construction size, the materials used and the contractors and subcontractors that do the work.


How to apply

Kindly complete an 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 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.