All loans
Business
SME Loan
For registered small and medium enterprises. Borrow GH₵ 1,000 to GH₵ 200,000 for working capital, stock, equipment or expansion — repaid monthly or as a lump sum at the end of the term.
Interest rate
3–10%
per month, flat rate
Loan amount
GH₵ 1k–200k
per business
Maximum tenure
6 months
shorter terms welcome
Disbursement
48 hours
after acceptance
Full terms
Everything, in the open.
Who it is forRegistered small and medium enterprises.
Interest rate3% – 10% per month, flat rate.
Loan amountGH₵ 1,000 – GH₵ 200,000.
Maximum tenureUp to 6 months.
RepaymentMonthly instalments or lump sum at end of tenure.
SecurityBusiness assets, inventory, cash collateral, or personal guarantee.
Processing fee5% – 6% of principal, deducted at disbursement.
Registration feeGH₵ 20.00 flat, collected at disbursement.
Loan insurance0.5% – 1.0% of loan principal.
Late payment10% penalty on any overdue instalment.
Representative example
GH₵ 20,000 over 6 months
At 5% per month flat, you repay GH₵ 26,000 in total — six equal instalments of GH₵ 4,333.33.
PrincipalGH₵ 20,000.00
Interest (5% × 6 months)GH₵ 6,000.00
Total repayableGH₵ 26,000.00
Monthly instalment × 6GH₵ 4,333.33
Processing fee (5%)GH₵ 1,000.00
Registration + insurance (1%)GH₵ 220.00
Rates shown are representative examples. Your rate is set by credit assessment within the published range.
What you can use it for
Working capitalStockEquipmentBusiness expansion
Before you apply
Have these ready and approval moves fast.
Valid Ghana Card
Front and back copy — mandatory for all applicants.
Proof of address
Recent utility bill or Ghana Post GPS digital address.
Business certificate
Registration certificate and TIN.
Six months of bank statements
So we can read how the business actually trades.
Passport photograph
One recent passport-sized photo of the applicant.
Bank / MoMo statement
Last 3 months — for disbursement and repayment verification.
Working capital is part of this loan — there is no separate product for it. See the full application process — from application to disbursement in as little as 4 days.
Apply today. Funds in 48 hours after acceptance.
Disbursed by bank transfer or Mobile Money — MTN, Vodafone or AirtelTigo. We are open every day, 6:00 AM to 10:00 PM.