SmeXpress
Business loans for Ghana’s SMEs

Grow your business with smart financing.

Access instant business loans with competitive rates and flexible terms — and a decision in as little as 24 hours.

24 hrsQuick approval
10.5%Starting rate, per annum
1,000+Businesses served
256-bitBank-grade encryption
How it works

From application to funds in three steps.

Step 1 · About 10 minutes

Apply online

Tell us about your business and how much you need. One short form — no branch visits, no queues.

Step 2 · Within hours

Fast, careful review

Our credit team checks your statements and documents and gets back to you, usually within 24 hours.

Step 3 · 24–48 hours

Get funded

Once approved, receive the money in your business account within 24–48 hours.

Financing that moves at the speed of your business.

Lightning fast

A decision in as little as 24 hours, and funds 24–48 hours after you’re approved.

Competitive rates

Rates from 10.5% per annum. No hidden fees — every cost is shown before you apply.

Bank-grade security

256-bit encryption and industry-standard compliance protect your data.

Support that picks up

Relationship managers on hand 24/7, from application to final repayment.

Repayment calculator

Estimate your repayments.

Choose an amount and a repayment period to see what a loan could cost. Your final rate depends on the loan product you apply for.

Start your applicationIllustrative only: 10.5% p.a. on a reducing balance, excluding fees.
GHS 50,000
GHS 10,000GHS 300,000
Repayment period
Monthly repaymentGHS 4,407.43
Total interestGHS 2,889.15
Total repayableGHS 52,889.15

Questions, answered.

Can’t find what you need? Our team is available 24/7.

Registered small and medium-sized businesses operating in Ghana, in the sectors we currently lend to. You’ll create an account and complete a short compliance check before applying.

Ready to grow? Your application takes about 10 minutes.

Save your progress as you go and pick up where you left off.