Sikamaster Mobile App

Our feature-rich mobile lending app provides our clients and customers with easy-to-use simple, straight-forward loan application and post-application processes. If you do not have a smartphone or an ios or android-based phone, you may use our USSD Channel instead.


Mobile App Features

Our app will enable you to do the following easily from the comfort of your home, or on the move, from anywhere on this planet.

• Allows loan applicants to apply, be it a salary or personal or business loans.

• It’s guaranteed that any start-up or currently existing business can get benefit from the use of this app. The users can easily manage their finances, maintain their assets, bills, and expenses etc.

• The app consists of a cost calculator that can help business people know how much money they will be needing for their business, aside other running cost in their business.

• The app has a finder feature that lets the user locate Sikaamster and Score Checker and it also offers latest features from Sikamaster Loans Twitter and feeds.

• The app is readily available to answer the frequently asked questions within few seconds.

• The app will provide user information related to loan disbursements, monthly payments, and interest rates.


How to download

Our old app has been disabled pending the latest version of our feature-rich app (currently under development).


Alert for download

Leave your details below and when our latest app goes live, we would contact you.

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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.