Policies & Standards

Why You Can Trust Sikamaster Loans

Sikamaster Loans is proud to be part of The DCANS Group.


Mission Statement

The Sikamaster Loans mission statement was updated in 2020, and is proudly displayed at the entrance to our working spaces, and embossed on the walls of our main office space. We aim to be the best and most trusted place for loans and credit. Made by people who dare to challenge. Made for people who want clarity in an uncertain world. We take you to the heart of the space that shape our world. These are our core values:

• We are bold and blunt

• We have a competitive spirit that drives us to be first and best

• We earn trust by behaving with integrity

• We embrace technology, and are pioneers and innovators

• We celebrate success together


Ethics policy

We believe that our reputation as a finance organisation is our most valuable asset, so it is vital that our service delivery is always of the highest quality.

Whether borrowing, applying for equity funding or learning from our free materials, or reading our apps and web services, anyone consuming Sikamaster should have confidence that their funding is from a credible and reliable source.

Financial Services in Ghana has never been under greater scrutiny, and that's why every staff working for Sikamaster Loans must understand the legal and regulatory framework in which we operate and our own in-house guidelines and practices.

We know that social media plays an increasingly important role in our daily working lives and it is important that we apply the same standards to all of our content on whichever platform we share it. Ownership and funding Sikamaster Loans is a financially independent part of The DCANS Group. Our parent company has guaranteed current funding levels.



We do not tolerate racism of any kind.

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.