Equity Financing

Sikamaster Loans is not all about debt financing (loans), we also provide equity financing of various kinds and types.


Debt vs Equity

Equity financing – selling shares or ownership interest of your company / business in exchange for a comparable amount of cash / capital. Equity financing can be one of the more confusing strategies for a business owner, and, like other types of financing, it has its pros and cons. Perhaps the best way to look at equity financing is to compare it to its more common counterpart: debt financing.

Mostly via private placement or an initial public offering (IPO) or direct listing, depending on the scale.

 Business Control
 Borrow Capital
 Pay Interest
 Credit Market
 Full ownership retained
 Buy Capital
 Share Profits / Gains
 Capital Market
 We'll have a greater say in the day-to-day operations of your business



- We build relationships based on our industry knowledge, credibility, integrity and honesty

- Wide range of funding partners that allow us to provide capital to all sizes of businesses and gives us the ability to work with all types of credit.


Equity Options

Flexible solutions to meet your corporate needs.

- Growth equity

- Private equity 


Exit Options

This is usually decided and agreed upfront.



- Must be a going concern.

- Must have a website for your business, and must meet our business website requirement.

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.