Repayment Assistance Programme

Sometimes in life, certain events or situations can cause even the best financial planners to encounter difficulties with meeting monthly household expenses, including loan payments and creditor obligations. The loss of a job or some other factor that decreases your income can quickly lead to trouble in paying your loan. We know that these situations can cause stress and anxiety for you and your loved ones.

There is no fee required for this programme. We work together with clients to identify alternative repayment solutions that they may be eligible for to help them through difficult financial times and to allow them to resume normal daily/ weekly/ monthly payments.


Eligibility, where applicable

Include, but not limited to:

• That you borrowed from us

• You are facing a short-term hardship

• You are behind on your loan payments

• You spent minimum of 95% of loan funds on purpose we were told in your application (with evidence to show)

• Mandatory signup for our 8 - 12 weeks Financial Literacy Class



Available Options

Include, but not limited to:


Partial Repayments

Part payment is always better than nothing at all.


Repayment (or Payment) Holidays

Suspension of repayments over a period is another viable option we explore. If a borrower loses his/her job, we can temporarily pause loan payments up to 6 months, and also provide help in a job search via GBT Jobs. Forbearance can be extended for up to 12 months or beyond, subject to terms and conditions.



Loan restructuring

Subject to thorough assessment, a borrower's loan may be restructured to allow for flexible repayment.


Disqualified Loan Repayment Assistance

If you use less than 95% of disbursed loan funds for the purpose(s) you stated in your loan application online form, you obviously do not qualify for this repayment assistance programme. If you have failed to demonstrate that you qualify for a loan repayment assistance, we proceed with the full loan and accrued interest recovery.

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, existing tenants of 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 (a sister company). 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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