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 (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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