Our Offerings

Short-term credit tailored to your specific earnings

We believe a loan should help you grow, not choke you. We have structured our credit limits, interest rates, and collection terms around how you actually receive cash.

Detailed Offerings
3.5% Interest / monthLimits: GHS 1,000 – GHS 50,000

Business Loan

Best for: Buying inventory, equipment, or expanding your shop.

Short-term working capital for established small businesses.

Required Documents

  • Business operational for at least 6 months
  • Valid Ghana Card
  • Two passport photographs
  • Proof of business (registration, market ticket, or shop lease)
  • Two guarantors
Repay frequency: Weekly or MonthlyApply Now
4% Interest / monthLimits: GHS 300 – GHS 10,000

Trader's Loan (Susu-Style)

Best for: Restocking, daily working capital, or short-term cash flow gaps.

Daily or weekly repayment for market traders.

Required Documents

  • Active business with regular trading activity
  • Valid Ghana Card
  • Two guarantors (fellow traders accepted)
  • Membership in a trader association is a plus
Repay frequency: Daily or Weekly collection by our officersApply Now
3% Interest / monthLimits: GHS 500 – GHS 30,000

Farmer's Loan

Best for: Inputs (seeds, fertilizer, agrochemicals), labour, land preparation, irrigation, or livestock.

Seasonal credit, repaid after harvest.

Required Documents

  • Confirmed farmland (owned, family, or leased — proof required)
  • Track record of at least one previous farming season
  • Valid Ghana Card
  • One or two guarantors
  • Buyer agreement or off-taker contract is a plus (may unlock better rates)
Repay frequency: Lump sum after harvest, or in instalments — your choiceApply Now
3.5% Interest / monthLimits: GHS 500 – GHS 15,000

Salary Advance

Best for: Bridging the gap before payday, emergencies, or planned expenses like school fees and rent.

Quick top-ups for salaried workers between paydays.

Required Documents

  • Minimum 6 months in current employment
  • Recent payslip (last 3 months)
  • Valid Ghana Card
  • Employer confirmation letter
Repay frequency: Monthly deduction at source where possibleApply Now
2.8% Interest / monthLimits: GHS 500 – GHS 5,000

Group Loan

Best for: First-time borrowers, traders in the same market, farmer groups, or community associations.

Lower rates when you borrow with a trusted group.

Required Documents

  • Group of 3–10 trusted members
  • All members must be over 18 with valid ID
  • Group must meet weekly with the Palace officer
Repay frequency: Weekly group meetingsApply Now
4.5% Interest / monthLimits: GHS 200 – GHS 5,000

Emergency Loan

Best for: Medical bills, funeral expenses, urgent repairs, or sudden travel.

Same-day support when life can't wait.

Required Documents

  • Valid Ghana Card
  • Proof of regular income
  • One guarantor
Repay frequency: Weekly or MonthlyApply Now
repayment calculator

Calculate before you commit

Use our slider to estimate your payments. Transparent pricing means no security deposits, no upfront insurance charges, and no surprise administrative costs.

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