Why We Offer Low Rates

If you’re like most people, you want to get the lowest interest rate that you can find on your loan. A country with deepening economic woes needs practical, feasible and sustainable approach and strategies. Relying on a savings culture in a low-income environment is not the way to go, at least from our own in-house research data.

Our carefully structured global capital raising strategies allows us to roll out easily accessible low-rate loans to qualified serious prospective borrowers.

There is no catch with our low rate loans. It's purely a business strategy at the group level.


Key Points:

• Sikamaster Loans (SML), a non-deposit taking direct lender does not rely on retail deposits or current bank deposit structure, which is mostly short-term, and historically high interest rates, which put monthly payments on long-term loans out of reach for most people.

• SML has access to substantial long term patient funds via credit channels and dedicated funds with 40 selected sister companies of The DCANS Group.

• SML is a fully "online first" direct lender. Technology allows us to cut our operational costs drastically.

Regulatory Compliance


Sikamaster (SML), is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart & responsible direct lender for the working class (we don't lend to the 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.

The Bank of Ghana (BoG) does not regulate some forms of no upfront fee non-deposit taking financial services, buy to lets, seller financing, commercial mortgages, secured loans, unsecured loans, earned wage access or workplace loan schemes, buy now pay later products, bridging loans, trusts, overseas mortgages, and conveyancing or debt management.

Our loans are strictly for existing customers of The TDG Ecosystem (including employees of existing business customers of GhanaStartups.org, existing tenants of RentNowPayLater.net and all Private-Sector Salaried Workers recruited via TDG Jobs Ghana platform). Our Home Mortgages can only be used to buy from or through DCANS Properties.

All Business Loans have been moved to GhanaStartups.org (a sister company). GhanaStartups.org provides loans to all kinds of businesses, be it large or small and not necessarily startups alone. 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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