Export Business Loans

Does your small business export goods/products to other countries? You could improve your cash flow and strengthen your negotiating power with a loan that's linked to your exports.


How does it work?

• Funds are provided upon presentation of a Letter of Credit or purchase order from your buyer.

• Can be arranged in all major currencies - USD, GBP, EUR, CHF

• Loan repayment terms are tailored to your trade cycle.

• Before you can draw down funds on an Export Loan, you need to have submitted a complete loan application with us and approved.



• Get the financing you need upfront to buy raw materials, manufacture goods and prepare them for shipment

• Qualified businesses can borrow any from ghs2,000 up to over ghs5m

• Monthly interest rate can range from as low as just 1.25% up to as high as only 7.25%

• No early repayment charges



• They improve your cash flow by bridging the gap between the time when you must pay for goods meant for export and the time when you receive payment for selling them.

• .

• They enable you to pay suppliers promptly, building your business credit rating and reputation



Business website mandatory

• Business be registered - either as a sole proprietor or limited liability company.


How to apply

Kindly complete an online application 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.