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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HONOUR & RECOGNITION — CANADA GHANA CHAMBER OF COMMERCE
In 2025, X-Cel Plus Micro Credit was honoured by the Canada Ghana Chamber of Commerce (CGCC) in recognition of our consistent support for the Chamber’s activities and our active role in promoting its objectives through our business operations.
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2025 CSR HIGHLIGHTS — IMPACT BEYOND FINANCE
At X-Cel Plus Micro Credit, our commitment to communities goes far beyond lending.
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X-Cel Plus Micro-Credit Wins Prestigious Award at Eminent Awards 24!
We are overjoyed to share the remarkable news that our visionary founder and CEO, Sidney Jojo Hewton, PMP, has been honored with a prestigious award at the Eminent Awards 24. This recognition celebrates his outstanding contributions to the financial industry and his relentless commitment to innovation and excellence.
