TDG Credit System

The TDG Global Credit System is the worldwide framework of legal agreements, institutions, and both formal and informal economic actors that together facilitate international flows of financial capital for purposes of equity and debt financing.

One of the biggest challenges every entrepreneur faces is finding the capital to fund his or her vision.

For the vast majority of business owners, however, the road to funding is a stressful and arduous one. In fact, only about half of all businesses -- according to a study -- survive to their fourth year, and one of their biggest reasons for failure? You guessed it: running out of cash.

It’s important to us that we give all of our customers every opportunity to succeed, both with the right Funding options and the businesses as a whole. That’s why we employ a credible network of Global Partner organisations with experienced business advisors.

We have invested well in our platform, so we're able to handle the traffic that comes through this ecosystem.


How it works

This unique global financial architecture is formed to provide seamless worldwide transactions ('plumbing') for members and affiliated qualified clients and customers at the most cost-effective manner. The system is accountable to  its members and/or shareholders and relevant regulators with jurisdictional oversight only, but not to the general public.


Credit System Members and Partners


Sikamaster Loans Ghana's fastest growing all-purpose direct lending platform.

Sikamaster Loans Ghana based private investment firm.


AIB Ghana A full-service investment banking outfit with commercial banking units (currently pursuing regulation of certain aspects of its operations)


Quidmaster  LoansUK based all-purpose lending division, providing personal and business loans to qualified UK residents and business, or existing clients of Sikamaster Loans needing funding in British Pounds Sterling whilst in the UK.


DCANS CapitalPrivate investment firm incorporated in the UK (England & Wales). CRN: 07970200, VAT #: 157 916182.


DBLDCANS Bnk Limited is incorporated in the UK (England & Wales). Currently operating as an In-House Bank (IHB), and pursuing a commercial banking license to interface with a chosen niche market. CRN: 09012597


DCANS FXFX & CFD Proprietary Trading Firm. Does not provide forex services.


MoneyafriqueUK based money transmission service.


DCANS PayPayment Solutions Provider.


Capital57 HedgeMulti- Strategy Hedge Fund


OSFOThe eponymous family office of the Group Founder (Patriarch).


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).

We're Social