Guaranteed Lending Terms

We remove all uncertainties with getting the finance you need to start or grow your business.


Guaranteed lending only available for the follow borrowing categories -

- RGD-registered Businesses with a Business Bank Account AND a website for your business, and with a credible repayment plan

- Existing Homebuyers or Tenants with DCANS Properties

- Existing Merchant Partners or their customers (guaranteed by the merchant partner)


The following loans are guaranteed, subject to basic minimum requirements:

- Home loans

- Family home loans

- All Business & Specialty Business loans


Our guaranteed lending policy does not cover fraudulent or misrepresented applications in the following areas:

- Name of business

- Business registration details

- Name of shareholders / owners

- or any other gross misrepresentation we may consider as fraudulent


In line with our commitment to guaranteeing qualified loans;

- Inasmuch as we guarantee lending for the qualified applicant, it may not be on first application. If refused on first attempt, we most likely state reasons for refusal. Declined applications can re-apply with rectify reasons for refusal.

- we would provide reasons for refusal in all qualified guaranteed loans to aid your appeal or re-application process.

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.