TIN Requirement

If you are borrowing from us, it is expected that you already have a Tax Identification Number (TIN), free-of-charge at any GRA Office nationwide or via their online platform before applying for any loan with us before applying for any loan at all with us -- Part of a 'ruthless & efficient' effort to strengthen our requirements, so fraudsters, impersonators, and other bad actors can't use our services, while continuing to quickly approve loans for those genuine customers and clients who make our platform great.

No TIN, No Loan. You have to be registered for a Tax Identification Number (TIN) to do business with us. No TIN, You can't do business with us.

All government employed workers and/or income tax payers obviously have a TIN already. No need to apply for a new TIN. It's illegal to have two TINs, unless one is an individual TIN and the other a Corporate TIN.


Sikamaster Loans does not issue TIN. The only body with the mandate to issue you a Tax Identification Number (TIN) is the Ghana Revenue Authority (GRA). You can visit their website here to start the process if you don't have a TIN.


Useful GRA Links

Getting a TIN

Getting Your TIN Online

Verifying Your TIN

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.