Contact Centre

Questions? Go to our FAQs page for immediate answers.


We don't provide support...

• For enquiries that have already been answered on this website, including but not limited to our FAQ and Glossary sections.

• To enquiries from users who do not fall within our target customer group.



We Provide Support...

For our target customer group only.

If you fall within our target customer group and, you still have any unanswered questions after reviewing our FAQs and Glossary sections, we'd be glad to help via any of the following channels... 


 Available multiple-channel customer service solutions:

Phone Support

Email Support

Social Media Contacts

Existing Client Contacts

Mailing Address

Our Offices


Before you contact us:

You must satisfy any of the following requirements (whichever applies to you), in order to be assisted by a live-person...


For Individual Borrowers

• You must either be employed in the public or private sector.


For Business Borrowers

If you are a business entity, you must have ALL THREE of the following before contacting us

• Your business must be based in Ghana and registered with RGD, either as a sole proprietor or an LLC or any other institution. Learn more.

• Your business must have a business bank account

• Your business must have a functional website


As part of our KYC, anti-fraud policies, and Cyber Policy, ONLY Public Sector Salaried Workers can contact us from a gmail / hotmail / yahoo / icloud email address or any of the free email service providers.
All other prospective borrowers cannot email us from any of the free mail providers accounts (including but not limited to gmail, hotmail, or yahoo or icloud) either as a private sector salaried worker or as a business. You are advised to send us an email from the email of your business or company website. Emails/Email addresses that flout this directive are automatically flagged as 'fraudulent' and/or blocked / deleted by our highly responsive email/spam filters and/or online form engine. + Learn more
If you are borrowing as a business and you don't have a website, you cannot use our services. + Learn more.

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.