Services
Payroll / Personal Loans
Pay Roll Loans to support the financial needs of salaried workers. Maximum tenure is six (6) months.
Business Loans
Business Loans to support business expansion, acquisition of business assets or meet liquidity gaps. Maximum tenure of loan is six (6) months.
Non-Finance
X-Cel Plus offers financial services, training, and impact assessments to aid clients and improve the economy.
Making more possible...
ABOUT US
X-Cel Plus Micro-Credit is a wholly owned Ghanaian entity licensed by the Bank of Ghana to provide short-term loans to small and medium scale enterprises, general merchants, importers and individuals within the Ghanaian economy. It was established in June 2017 and duly licensed by the Bank of Ghana as tier 4 money lending entity in September 2017. Operations however, began in 2019. X-Cel Plus Micro-Credit Services has its office in Takoradi.
We are committed to building Ghana’s leading micro-credit institution within the next five (5) years. Our desire is to contribute significantly to the growth and development of small businesses and to help provide sustainable livelihood to low income families by providing avenues for sustainable income growth.
Testimonials
I have never experienced such customer service from a financial institution before.
I like how friendly their staff are. They make you feel like royalty.
Their loan repayment method is very flexible. I pay my loans easily without stress.
NEWS & ANNOUNCEMENTS
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AMENDMENTS IN LOAN POLICY
AMENDMENTS IN LOAN POLICY Kindly take note of the following critical information: PERSONAL/PAYROLL LOANS All Payroll/Personal loans shall be disbursed between the 25th day of the current monthand the 5th day of the new month. Where a customer insists on a date earlier than the above window, request will bereviewed by management and decision communicated
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X-CEL PLUS WINS BIG AT 2023 MICRO-CREDIT INSTITUTIONS DINNER AND AWARDS
We are excited to announce that X-CEL PLUS MICRO-CREDIT was crowned as *”THE MICRO-CREDIT INSTITUTION OF THE YEAR 2023,ZONE 3”*.
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X-Cel Plus Micro-Credit partners She Inspires (Global)
She Inspires is a Leicester based not for profit consultancy set up by Zinthiya Ganeshpanchan to provide training and support to women-led community organisations, charities and social enterprises to start up and grow.
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