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Loans Products

Group Loans

A group-based loan that gives low-income entrepreneurs access to working capital funds.
  • Easy and quick application process
  • Convenient, simple and reliable
  • Door step delivery services and group support.
  • Access to advisory services, training, etc.
  • Co-Guarantee (Group Guarantee) serves as a collateral.
  • A valid National ID
  • Proof of Address
  • Completed Application form
  • An ideal group size of 5 -15 members
  • Terms and condition may apply

Micro Enterprise Loan

Loans provided to entrepreneurs for additional working capital or fixed asset acquisition for the growth and expansion of their businesses.
  • Easy and quick application process
  • Flexible loan repayment
  • Competitive interest rate

  • A valid National ID
  • Proof of Address
  • Completed Application form
  • The micro enterprise must be an existing and profitable business
  • Terms and condition may apply

Susu Loan

This product enables you to access credit using your Susu savings as a form of guarantee.
  • Easy and quick application process
  • Convenient and flexible
  • Competitive interest rate
  • A valid National ID
  • Proof of Address
  • Completed Application form
  • Must have an active and well operated Susu account.
  • A continuous contribution of susu at a minimum of 5 cedis for two (2) months prior to applying for the loan
  • Client must have an existing and a viable business

Auto Loan

It offers an opportunity to own a vehicle of your choice.
  • Easy and quick application process
  • Flexible loan repayment
  • Competitive interest rate
  • A valid National ID
  • Proof of Address
  • Completed Application form
  • A guarantor
  • Proof of Address
  • The age of the vehicle should not exceed 10 years.
  • Terms and Condition may be applicable

Business Asset Loan

It’s a flexible and reliable loan product that gives micro entrepreneurs the opportunity to acquire business assets to promote business expansion and increase clients’ productivity.

  • Easy and quick application process
  • Gives small and micro entrepreneurs the opportunity to acquire business assets
  • Competitive interest rate
  • Flexible Loan Repayment
  • A valid National ID
  • Proof of Address
  • Completed Application form
  • Terms and Condition may apply

Salary Loan

This a loan package for salary worker in a public or private recognized institution.
  • Competitive interest rate
  • Easy and quick application process
  • Should be 18 years and above
  • Valid National ID
  • Proof of Address
  • Two passport pictures.
  • Salary should be routed to SASL account for private institution  
  • Terms and conditions may apply

Agro Loan

Sinapi Agricultural loan is a simple and reliable tailor-made value chain lending to agricultural actors (farmers, aggregators, input dealers, processors, etc) to enable them to overcome the challenges in the Agric sector.
  • Easy and quick access to credit
  • Access to agribusiness training
  • Competitive interest rate
  • Flexible terms of repayment
  • A valid National ID
  • Proof of Address
  • Completed Application form
  • Terms and Condition may apply

Micro School Loan

It is a special product that offers supports to private proprietors to develop their schools.
  • Easy and quick application process
  • Access to training for Proprietors, teachers and caterers
  • Flexible Repayment Period
  • Competitive Interest Rate
  • A valid National ID
  • Proof of Address
  • Completed Application form
  • Terms and Condition may apply

WASH Loan

A loan granted to persons who have a need for safe water and sanitation as well as improvement in hygiene. This might include loans for Public Latrine, Household Latrine (Public and Household Toilet facilities), plumbing works, drilling of borehole water, household piped water connections among others.
  • Easy and quick to apply application process
  • Competitive interest rate
  • Loan insurance package
  • Flexible repayment schedule
  • Accessible to both clients and Non clients
  • A valid National ID
  • Proof of Address
  • Completed Application form
  • Two passport pictures
  • Proven source of Income
  • Proof of ownership of property/letter of consent from owner
  • Bill of project / estimates of the works to be undertaken
  • Terms and Conditions may apply

Sinapi Education Loan

Sinapi Education loan gives the peace of mind and stress free life in settling children’s school fees obligation and other educational costs.
  • It is simple and reliable loan product
  • Flexible repayment terms
  • Competitive interest rate
  • Fast loan processing
  • Should be 18 years and above
  • Valid National ID
  • Proof of Address
  • Two passport pictures.
  • School Bills/prospectus
  • Terms and conditions may apply

Festive Loan

Clients of Sinapi Aba can receive additional and special loans during festive seasons with its Festive Loan product.

  • It is simple and reliable loan product
  • Flexible repayment terms
  • Competitive interest rate
  • Fast loan processing
  • Helps clients who might still be servicing existing loan to receive additional funding to purchase additional goods to sell during the festive and peak times.
  • Should be 18 years and above
  • Valid National ID
  • Proof of Address
  • Two passport pictures.
  • Terms and conditions may apply

Small and Medium Enterprise Loan

This facility is for enterprise that needs higher amount to inject into their business.
  • Competitive interest rate
  • Flexible loan repayment
  • Negotiable loan terms
  • Should be 18 years and above
  • Valid National ID
  • Proof of Address
  • Two passport pictures.
  • Business Documentation
  • Terms and conditions may apply
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About Sinapi Aba

Sinapi Aba Savings and Loans is a new company born out of Sinapi Aba Trust. It is a Non-Banking Financial Institution licensed under the Non-Bank Financial institutions Act 2008(Act 774), authorized to carry on the business of Savings and Loans on the 28th of March, 2013 in Ghana. All loan and savings activities that were previously managed by the Trust are new under the care of the savings and loans company.