Terms

We provide financing for working capital and fixed assets.

We support MSMEs in all sectors except retail trade, construction, quarry, mining, import-export, and fossil energy.

The business must be registered and should have operated for at least 24 months.

The business must have at least 2 workers in full-time employment.

The business must generate at least GH¢5,000 per month in revenue.

The book value of non-current assets should not be less than GH¢20,000

The business must have adequate and reliable financial records.

The business must be a member of an industry association or an identifiable group.

The maximum ticket size per borrower for secured transactions is GH¢20,000.

Maximum tenor is 12 months but first cycle shall not exceed 8 months.

All fresh disbursements are done between the 2nd and 7th of the month.

Repayment begins not later than 42 days after disbursement.

Facilities with less than 3 months to expire, no default, and no late repayment within the last 24 months, may qualify for refinancing.

No facility shall be refinanced more than once within a 24-month period.

We don’t give new loans or do refinancing in November and December.

Except otherwise directed, all loan requests must be initiated using this portal.

Cycle time (application to disbursement) is 96 hours (ave.).

To begin the process go to REQUEST and submit the required info.