We offer a variety of loan products, including:

Personal Loans

Business Loans

Group Loans

Emergency Loans

Funeral Loans

Asset Acquisition Loans

The maximum loan amount depends on the type of loan and the borrower’s creditworthiness. For example, our business loans may offer up to GHS 20,000, while personal loans may have different limits based on income and other factors.

Our loans typically have a repayment period of up to six (6) months. However, this can vary based on the specific loan product.

For most of our loan products, such as group loans and personal loans, we do not require traditional collateral like land titles or vehicles. Instead, we use guarantors or peer guarantees. However, for larger business loans, collateral may be required.

The requirements vary by loan type, but general requirements include:

• Valid National ID (Voters, Ghana Card, Passport, or SSNIT Card)
• Pay slips or proof of income (for salaried workers)
• Proof of residence
• Bank statements
• Guarantors
• Signed loan agreement/offer letter

Our loans are typically processed within 24 to 48 hours. For repeat borrowers, we offer same-day approvals in many cases, ensuring quick access to funds.

Interest rates vary depending on the type of loan, loan amount, and repayment period. We strive to offer competitive and affordable rates to ensure our clients can repay comfortably.

If you are unable to make a payment on time, it’s important to contact us immediately. We may be able to provide flexibility or restructuring options, depending on your situation. However, late payments may incur additional fees and affect your creditworthiness.

Yes, many of our loan products are insured. For instance, group loans and some personal loans come with insurance coverage in case of death, disability, or the total destruction of the business.

In most cases, you need to complete repayment of your existing loan before applying for a new one. However, exceptions may be made for repeat clients in good standing or under special circumstances.

The process typically includes:

• Filling out a loan application form
• Providing the required documents (ID, pay slip, bank statements, guarantors, etc.)
• Undergoing credit and risk assessment
• Signing an offer letter upon approval
• Disbursement of the loan

Yes, we allow early repayments without penalties. In fact, paying off your loan early can improve your creditworthiness for future borrowing.

You can make repayments through various channels, including:

• Bank deposits
• Mobile money
• In-person payments at our office

If you face financial difficulties, we encourage you to contact us as soon as possible. We may work with you to restructure the loan or extend the repayment period. In some cases, insurance may cover the loan in the event of business failure due to specific circumstances.

Yes, you can apply for some of our loans online through our online portal. Alternatively, you can visit our branch for in-person assistance.

The specific documents depend on the loan type but usually include:

• Valid National ID
• Pay slip or proof of income (for salaried workers)
• Proof of residence
• Guarantor information
• Bank statement
• Completed application form