Time Wasting

A predominantly digitised and automated no upfront fees direct lending service with little to no human intervention, until pre-disbursement stage. To save time and to enhance operational flexibility and efficiency, all the information you need to borrow from us or do business with us have been provided freely on this information-rich actionable website. We eliminate unproductive or time-wasting individual activities such as -


To hasten our processes, we have deployed the big data analytics --

• Digitised and/or automate due diligence processes

• Sourcing of information from various external public and private registries

• Adverse media mentions matched against various watch lists

• Streamline internal operations

• Predictive analytics and big data in preventing cyber threats from materialising.

• Free up manpower for key decision-making during incidents

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.