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 (we don't lend to 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.

Rolling out a secured, safer, convenient, revolutionary automated self-care, ethical, no upfront fee, non-deposit taking direct lending platform in phases (three phases remaining). Fully compliant with AML and KYC regulations.

ALL Business Loans have been moved to GHStartups.com (a sister company). GHStartups.com provides loans to all kinds of businesses, be it large or small and not necessarily startups alone. All Rent Loans have also been moved to RentNowPayLater.net and RentToBuyGhana.com. 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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