Recapitalisation Funding

A specialised funding vehicle for currently regulated institutions only, and NOT yet-to-be regulated or unregulated institutions. Funding of this nature can either be Debt or Equity, or both. It is advised that prospective borrowers apply in good time, and must allow at least 30 days for our due diligence before disbursements can be initiated.


Meant for:

• Microfinance institutions

• Savings & Loans Companies

• Finance Houses

• Rural Banks

• Commercial Banks

• Insurance Companies

• Stock Brokerages

• Telecos

• Internet Service Providers (ISPs)


Key Details

• Funding can be anywhere from $10,000 to over $50m, typically. Can provide funding in excess of our maximum limit, subject to adequate suitable security.

• Processing and disbursement can take anywhere within 3 months and 24 months, depending on funding size and upfront information provided.



Varied options which may include (but not limited to ) any of the following...

• Plain stocks and/or bonds via OTC/Private Placement or Exchange

• Redeemable preferred stock (Callable preferred stock)

• Retractable preferred stock (Soft)

• Convertible preferred shares

• Margin Loans

• Collar Trades

• Contingent Forwards

• Other Senior Debt Instrucments

• Anchors




• Must be a regulated institution

• Must have up to date audited and filed company accounts andor financial statements

• Loan usually insured


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 self-care, ethical, no upfront fee, direct lending platform in phases (three phases remaining, including key synergistic acquisitions and regulation for some aspects of our operations).

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.
Applicants must be 18 or over. 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.
Please note that there have been an increasing number of attempts to defraud Sikamaster clients. Please take every necessary measure to ensure that your account information is secure! Learn more.
Aside lending, our website offers information about saving, investing, tax and other financial matters, but not personal advice. 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.