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Lending






Direct SME Loan


SME business loans are designed to meet the needs of businesses that are growing and need working capital to support development. We process our loans very quickly (usually in three days) given the right documentation.

  • Loan tenor – Maximum of 12 months
  • Repayments – Weekly, Bi–weekly and Monthly.
  • Minimum loan – GHS 20,000

Direct Anidasoo Plus Loan


This is a hybrid of our SME and Anidaso Loan products for customers who may require some flexibility.

  • Loan tenor – Maximum of 6 months
  • Repayments – Bi–weekly or Monthly
  • Minimum loan – GHS 10,000
  • Maximum loan – GHS 30,000

Direct Anidasoo Business Loan


A product designed for micro and small business to meet their credit needs for stock, expansion of business, etc.

  • Loan tenor – Maximum of 3 months
  • Repayments – Strictly 12 weekly instalments
  • Minimum loan – GHS 1,000
  • Maximum loan – GHS 20,000

Direct Nkabom Business Loan


A product designed for micro and small businesses customers who may not be able to meet the requirement independent guarantors for their loan applications. It is a group facility where group members must operate in the same geographic location and trading in same/similar products

  • Group – Should consist of 3 to 5 members
  • Guarantors – Members of the group serve as guarantors for each other (shared risk over group)
  • Repayments – Strictly 12 weekly instalments. A leader and an assistant are appointed from the group and are responsible for the weekly mobilization of the loan payments for the group
  • Loan tenor – 3 Months
  • Minimum loan – GHS 1,000 per group member
  • Maximum loan – GHS 5,000 per group member

Direct Bullet Loan


Our bullet loan is designed to cater for emergencies or quick turnaround situations. This product allows flexibility and could be granted to business customers with seasonal activities showing irregular inflows over time.

  • Loan tenor – maximum of 6 months (after which the amount given is paid back with interest)
  • Minimum loan – GHS 1,000

Direct Overdraft


The DIRECT Overdraft is designed to support the short term working capital gaps in the operations of our customers.

  • Loan tenor – maximum of 6 months
  • Minimum loan – GHS 5,000
  • Maximum loan – GHS 100,000

Direct Personal/Salary Loan


The DIRECT Personal/Salary Loan is designed to support the short term financial needs of our customers.

  • Loan tenor – maximum of 12 months
  • Minimum loan – GHS 5,000
  • Maximum loan – GHS 20,000