Business
SME Working Capital Loan
Working capital that helps small businesses keep moving.
Designed for traders and small businesses that need capital for stock, inventory, operating expenses or short-cycle business growth.
At a glance
Indicative FacilityGHS 2,000 – 25,000
RepaymentWeekly or monthly
Final approval, pricing and facility terms remain subject to SikaWise policy and individual assessment.
Designed for eligible customers with a genuine borrowing need.
- Market traders and retailers
- Micro and small business owners
- Service businesses with verifiable cash flow
- Growing enterprises managing stock cycles
Clear features, responsible assessment.
- Indicative facility range: GHS 2,000 – GHS 25,000
- Cash-flow based affordability assessment
- Weekly or monthly repayment structures depending on the approved product
- Repeat access may be considered following good repayment performance
- Clear pre-contract pricing and repayment disclosure
What you may need to provide.
- Valid approved identification
- Evidence of business activity
- Sales, bank, mobile-money or other acceptable cash-flow records
- Business address/contact verification
- Credit and affordability assessment
A simple digital journey.
- 01
Select the SME Working Capital product
- 02
Provide business and trading information
- 03
Upload or submit supporting cash-flow evidence
- 04
Complete KYC, bureau and affordability checks
- 05
Review and accept the approved facility
We stay connected through the loan journey.
SikaWise can support customers throughout the loan term with repayment reminders, account information and responsible top-up eligibility reviews.