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TrustBridge Micro-Credit
The application process

Application to cash in as little as 4 days.

Six steps, each with a named owner and a timeline. Once you accept your offer, disbursement lands in your bank account or Mobile Money wallet within 48 hours.

1
Submit your application

Complete the form and attach all required documents — in person, by phone, or on WhatsApp.

Day 1
2
Verification

Your loan officer verifies employment, income and identity. Have your phone nearby.

Day 1–2
3
Credit assessment

We check your debt-to-income ratio and run a credit bureau check to set a rate you can actually carry.

Day 2
4
Offer letter issued

A signed offer letter with the amount, rate, instalment and every fee — valid for 7 days.

Day 2–3
5
Acceptance and collateral

You sign, pay the processing fee and insurance, and lodge cash collateral if it applies to your loan.

Day 3–4
6
Disbursement

Funds arrive by bank transfer or Mobile Money — MTN, Vodafone or AirtelTigo.

48 hrs

Your signed offer letter is valid for 7 days — enough time to read it, ask questions, and decide without pressure.

Eligibility and required documents

What you need to apply.

Bring these to your first meeting — or send photos on WhatsApp — and verification starts the same day.

Valid Ghana Card
Front and back copy — mandatory for all applicants.
Proof of residential address
Recent utility bill or Ghana Post GPS digital address.
Income evidence
3 months of payslips (salary) or 6 months of bank statements (SME).
Passport photograph
One recent passport-sized photograph of the applicant.
Business certificate
Registration certificate and TIN — SME applicants only.
Guarantor details
Ghana Card and income proof, if required by your loan officer.
Bank / MoMo statement
Last 3 months — for disbursement and repayment verification.
Disbursement and repayment channels

Money moves the way you already bank.

How we pay you
Bank transfer — all major Ghanaian banks
MTN Mobile Money disbursement
Vodafone Cash disbursement
AirtelTigo Money disbursement
How you repay us
Bank transfer or standing order
MTN Mobile Money (MoMo)
Vodafone Cash
Cheque

Day 1 starts whenever you do. We are open 6 AM to 10 PM, every day.

Apply now