1D1F Loans

This is a bespoke private sector financing for projects that aligns with group policies.



• Loan amount between ghs5,000 and ghs50m

• Both debt and equity financing availabe

• All sectors may be considered, but priority will be given to boldened areas of the 8 target sectors of the 1d1f Secretariat

   - Input/Raw material producer groups

   - Agro processing and business

   - Textiles and Clothing

   - ICT

   - Pharmaceutical and cosmetics

   - Waste management

   - Distribution and trading

   - Tourism, Arts and Crafts



• Must be a Limited Liability registered business or company

Business or Project Website mandatory


Loan Benefits

• Fast, Quick and Easy

• Market Access

• Ability to fund above our maximum stated limit.


Repaying Your Instalment Loan

• Pre-agreed repayment options or vehicles


How to apply

Kindly complete an online application here.



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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.