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Core Products Available
Your Trusted Financial Partner
SME Loans, Salary Loans, and Hire Purchase Made Simple
Get quick financial support for business stock, personal needs, and approved item purchases through FINCA's SME / Trader Loan, Salary / Personal Loan, and Hire Purchase solutions.
Customer-first support
GHS 1,000+
short-term support for traders, salaried workers, and customers buying approved items over time
Accessible Microcredit for Real-Life Business and Personal Needs
FINCA Microcredit Enterprise provides microcredit and short-term financial support products for traders, shop owners, salaried workers, informal businesses, and customers who want to buy approved items through hire purchase.
Our focus is simple application, fair assessment, clear documentation, and repayment structures that match how customers actually earn and trade.
FINCA Microcredit Enterprise helps traders, workers, and small business owners access simple and flexible financial support without complicated banking processes.
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Inclusion
Support for traders, workers, and business operators banks often overlook.
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Responsible Lending
Assessment, KYC, guarantor checks, and clear repayment terms before approval.
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Clear Process
Customers receive approval guidance, disbursement support, and repayment schedules.
Built for traders and workers
We serve market women, traders, mobile money agents, teachers, nurses, security workers, and other earners.
Assessment before approval
Each facility is reviewed with KYC, guarantor details, repayment ability, and supporting documents before disbursement.
Support through repayment
Customers receive repayment schedules and are expected to pay through approved channels with receipt confirmation.
Our Products
FINCA supports more than one customer type. Our products are arranged for traders, salaried workers, and customers who want to buy approved items over time, so each need has a clearer path.
SME / Trader Loan
Designed for traders, shop owners, market women, food vendors, mobile money agents, and small business operators, including informal and semi-formal businesses.
Amount: GHS 1,000 to GHS 5,000
Tenor: Up to 3 months
Repayment: Daily or weekly
- Supports restocking, working capital, equipment, and expansion
- Registered business is not always required
- Business assessment, guarantor, and KYC still apply
Salary / Personal Loan
Created for salaried workers, private company staff, government workers, teachers, nurses, security workers, and other income-earning employees.
Amount: GHS 1,000 to GHS 5,000
Tenor: 1 to 6 months
Repayment: Monthly on salary date
- Useful for family support, emergencies, and personal obligations
- Employment confirmation is part of assessment
- Built as quick short-term support before payday
FINCA Hire Purchase
For salaried workers, traders, small business owners, and customers who want household appliances, electronics, phones, fridges, freezers, equipment, and other approved items.
Amount: GHS 1,000 to GHS 5,000
Tenor: 1 to 6 months
Repayment: Weekly or monthly
- FINCA pays approved suppliers directly
- Cash is not handed to the customer for the purchase
- Deposit percentage still needs management confirmation
Business Growth Loan
This future product is intended for registered businesses, repeat SME borrowers, wholesalers, distributors, suppliers, and more established business operators.
Amount: GHS 6,000 to GHS 10,000
Tenor: Up to 6 months
Repayment: Monthly or twice monthly
- Planned for bulk stock, equipment, supplier payments, and expansion
- Better suited to more mature businesses
- Not positioned as a currently active product
How to Apply for a FINCA Loan
Our process is structured to keep lending clear, documented, and practical for first-time and repeat customers.
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Choose Your Product
Select the product that best fits your current need.
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Submit Details
Provide Ghana Card, passport picture, address details, contact information, and guarantor information.
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Assessment and Approval
FINCA reviews repayment ability, business or income activity, and supporting documentation before approval.
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Disbursement and Repayment
Approved customers receive funds or supplier payment plus a clear repayment schedule.
Product Overview
Here is a cleaner summary of what each product is mainly for, who it serves, and the kind of support customers can expect from it.
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SME / Trader Loan
For stock, working capital, and small business emergencies. GHS 1,000 to GHS 5,000.
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Salary / Personal Loan
For school fees, rent, medical needs, and salary pressure. GHS 1,000 to GHS 5,000.
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FINCA Hire Purchase
Get approved items now and pay gradually. GHS 1,000 to GHS 5,000.
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Business Growth Loan
Business Growth Loan for larger, more established operators. GHS 6,000 to GHS 10,000.
Important before publication: the document mentions both 30% and 40% deposit for Hire Purchase, and the markup basis also needs management confirmation.
Fees and charges: standard form fee is GHS 50 and processing fee is 5%. SME / Trader Loan carries 24% flat for the full cycle, Salary / Personal Loan carries 6% flat per month, and Hire Purchase markup is listed as 5% but still needs confirmation on basis.
Basic Requirements
Customers should expect identification, contact, guarantor, and supporting document checks before approval.
Identity and Contact
- Valid Ghana Card
- Passport picture
- Active phone number
- Alternative contact
Address and Guarantor
- Residential address
- Digital address
- One guarantor
- Guarantor Ghana Card and passport picture
Income or Business Support Documents
- Proof of income or business activity
- Employment confirmation for salary loans
- Customer consent and loan agreement
- Repayment undertaking and next-of-kin details
Repayment information: SME / Trader Loans are repaid daily or weekly, Salary Loans are repaid monthly based on salary date, and Hire Purchase repayment is weekly or monthly depending on customer type. If a due date falls on a weekend or public holiday, payment moves to the next working day.
Frequently Asked Questions
Here are some of the most common questions customers ask before starting an application.
Who can apply for a FINCA loan?
Traders, shop owners, market women, food vendors, salaried workers, mobile money agents, and other customers who meet FINCA's assessment and documentation requirements.
Do I need a registered business for the SME / Trader Loan?
No. Registered and unregistered businesses can be considered, but FINCA will assess business activity, repayment ability, KYC details, guarantor, and security before approval.
What is the minimum and maximum loan amount?
SME / Trader and Salary / Personal Loans start from GHS 1,000 and go up to GHS 5,000. Hire Purchase financing ranges from GHS 1,000 to GHS 5,000. Business Growth Loan is planned from GHS 6,000 to GHS 10,000.
Do I need a guarantor?
Yes. One guarantor is generally required, together with guarantor identification details and supporting KYC information.
How does FINCA Hire Purchase work?
FINCA approves the item and pays approved suppliers directly. Customers do not receive cash to buy the item themselves, and ownership remains with FINCA until full repayment.
What should I do if I have repayment difficulty?
FINCA encourages responsible borrowing. Customers who expect repayment difficulty should contact FINCA early for guidance and support instead of waiting until the account falls into arrears.
Choose the FINCA Product That Fits Your Need
Whether you need business working capital, short-term personal support, or approved items on gradual payment, FINCA has a product path designed for that purpose.
Review the product options again →