Food & Beverage Business Loans

Starting or growing a food or beverage-based business takes personal and financial resources. At Sikamaster, we’ve helped restaurants, caterers, beverage businesses, and specialty food purveyors grow or get their businesses started.

Sikamaster financing can help you:

• buy or lease equipment

• purchase inventory or supplies

• rent space or remodel

• create and execute a marketing campaign

• hire and train staff

• secure the licenses and other permits you need


The features of this loan include:

• Interest rates starting at 4.50% per annum

• Loan terms from 6 to 60 months

• No pre-payment penalty

• Closing costs of 3-5%

• $185 processing fee applied only to closed loans


Qualification Details:

• Sufficient cash flow to support monthly loan payments

• No bankruptcies in the past 12 months or foreclosures in the past 24 months (flexible for loans under $2,500)

• No late payments on your rent or mortgage in the past 12 months (flexible for loans under $2,500)

• Other criteria may apply


If you don’t meet these basic requirements, we encourage you to check back after you've had a chance to strengthen your application



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.