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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FEED THE STREETS WITH X-CEL PLUS
The 3rd edition of “Feed The Streets Campaign” was successful by the grace of the Almighty God. More than 200 people were attended to by our team.
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X-Cel Plus Micro Credit Supports Pupils at Beboano MA Basic School
X-Cel Plus Micro Credit has demonstrated its commitment to community development by donating exercise books, school uniforms, and shoes to pupils of Beboano MA Basic School.
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2026 CSR HIGHLIGHTS — IMPACT BEYOND FINANCE
At X-Cel Plus Micro Credit, our commitment to communities goes far beyond lending.