A lot has changed since the World Health Organization (WHO) declared Covid-19 as a Pandemic on 11th March 2020. The pandemic has affected the world’s economy and has made a big impact on businesses, particularly to tourism, events, food, fashion and other industries as well.

In the light of the above, all health and safety protocols are strictly observed in our operations and premises. Additionally, we have implemented a few Relief Packages, including but not limited to:

Loan Moratorium (Tenor)
All outstanding loans qualify for loan forbearance of different schedules. Existing borrowers only.


Interest Rate Reductions

Existing borrowers only.


Fee Waivers

We've never charged upfront fees. Fees that are deducted from loan amount being disbursed will now see massive reduction or 100% waiver.


Covid-19 Relief Programme

Details 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.