Fashion & Beauty Loans

We have become a culture that is obsessed with our appearance, as well as a generation that truly believes the way we look, the way we choose to dress, and the body modifications we choose to permanently add to our appearance are how we define ourselves in an overpopulated world.

Starting and growing a successful fashion business can be tough! Fashion businesses (incl clothing and boutique shops) face a high failure rate, often due to a lack of business and entrepreneurial skills, and struggle to access finance. We’re passionate about supporting both start up and established fashion entrepreneurs, and our mission is to challenge the low success rate in the sector, with our approachable mentoring and access to fashion industry expertise and finance.

Our collective experience includes working with clothing, footwear, accessories, textiles and jewellery labels. We’ll give you the guidance and support you need to take your business forward, aside direct loans. We understand the business of fashion.

This loan can be used by: fashion designers (including scalable dress-makers), clothing wholesale & retail, boutiques, etc.



• Loans available between ghs100 – ghs5m

• Variable/Fixed interest rate

• No early repayment fees

• Credit facility can be available,as cash or inventory supplies, or both.

• Access to free business support including a mentor, training events, and exclusive business offers



• Over 21 years old

• Your business must be registered. Either as a Sole Proprietor or Limited Liability Company. You can register it yourself or our in-house conceirge services team can help you register it. You can apply without the business being registered, but we would usually disburse only after your business has been registered and you have set up a business bank account for it.

• Pre start or trading for under 24 months

• A Ghanaian citizen (or have the right to live and work here)

• Business Website mandatory. More details here.

• Have not already received a Start Up Loan


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.