Ecommerce Business Loans

Ecommerce loans for Online Sellers - If you’re looking to become a successful ecommerce entrepreneur, the best time to start is now. It has always been a challenge for small businesses to get financing. Circumstances worsened when banks tightened their lending criteria so many years ago. Most banks lend only to businesses with an established operating history. If you are just starting up an ecommerce business, or, if you find traditional loan terms too stringent, there are other options.

Sikamaster Loans is a leading online lending platform. Online retailers and small business owners in Ghana can get a low interest eCommerce loan on Sikamaster Loans, easily and efficiently. Approval can take as little as five minutes but Sikamaster requires the online business must be hosted with P24 Stores LLC.

Disclosure: PC24 Stores is a sister company of ours.


Features & Benefits

• Loans up to $2m regardless of your location in Ghana, to grow your business

• Nationwide coverage and quick approval

• Choose your own loan terms. Between 4 weeks and 5 years

• Low interest rates, from 1% per month

• Get the loan you need to fund your eCommerce business in as little as 14 days

• Instant financing available

• Loans can be available by traditional bank transfer or in digital currencies

• No credit score required


Sikamaster Loans only charges a one-time 1-5% fee for borrowers, which is deducted automatically from your eCommerce loan when it is successfully funded. There are no late repayment fees, and no penalty fees of any kind. As a result, we are significantly cheaper than most alternatives



How to apply

Most borrowers take less than 15 minutes to complete the application here and do so without leaving their desk.

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.