Loyal Repeat Customers

There are those who may not qualify from our two main loan applicant groups: Salaried Workers, either in the public or private sector. This particular loan product allows loyal repeat customers to borrow from our Vendor Partners. You apply from participating vendor partners's website based on your loyalty points. Our platform collects your customer data as you shop or buy from these vendor partners, to enable us qualify you for a loan based on your shopping habits.


Current Vendor Partners

Reiny's Ghana: Fashion, Health & Beauty Products, etc

PC24 Store Ghana: Computers, Laptops, Tablets, Phones, Accessories, etc

Glostar Motors: Automobile, Auto Parts, etc.

Adwoa Mart: Food, Groceries, Kitchenware

7G Foods: Food & Kitchen Network



Maximum loan amount: typically GHs2000

Minimum loan amount: GHs50


How to apply

You need to be an existing customer of any of our vendor partners above. We disburse such cash loans through these vendor partners to you.

Regulatory Compliance


Sikamaster (SML), is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart & responsible direct lender for the working class (we don't lend to the unemployed). 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. SML does not charge any upfront fees before lending.

The Bank of Ghana (BoG) does not regulate some forms of no upfront fee non-deposit taking financial services, buy to lets, seller financing, commercial mortgages, secured loans, unsecured loans, earned wage access or workplace loan schemes, buy now pay later products, bridging loans, trusts, overseas mortgages, and conveyancing or debt management.

Our loans are strictly for existing customers of The TDG Ecosystem (including employees of existing business customers of GhanaStartups.org, existing tenants of RentNowPayLater.net and all Private-Sector Salaried Workers recruited via TDG Jobs Ghana platform). Our Home Mortgages can only be used to buy from or through DCANS Properties.

All Business Loans have been moved to GhanaStartups.org (a sister company). GhanaStartups.org provides loans to all kinds of businesses, be it large or small and not necessarily startups alone. All Construction Loans have been moved to Build Now Pay Later. All Auto Loans have been moved to Glostar Motors.

All Buy Now Pay Later (BNPL) Loans (incl interest-free and interest-bearing) have been moved to DCANS Pay (a sister company).

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