Bank of Ghana Licensed
Business LoansCredit That Grows With Your Enterprise

Tiered Business Working Capital

Working capital sized to your trading history, whether you are formally registered or operating as an informal enterprise. Three progressive tiers to support your journey.

Tier 160% p.a.

Start small, start smart — micro working capital for daily turnover

Working capital sized to your trading history, whether you are formally registered or operating as an informal enterprise.

Limit: Up to GHS 15,000 • 1 to 12 months
Tier 2 • Popular60% p.a.

Scale your operations — boost inventory and fulfill bulk orders

Mid-tier working capital facility for growing enterprises needing larger inventory purchases or equipment upgrades.

Limit: GHS 15,000 – 50,000 • 3 to 18 months
Tier 3 • Preferred54% p.a.

Fund your next stage of growth — preferred rate for established SMEs

Our premier commercial credit line at a discounted 54% p.a. for mature SMEs expanding their storefront, fleet, or corporate supply contracts.

Limit: GHS 50,000 – 150,000 • 6 to 24 months

Download Printable Business Loan Pack

Includes onsite verification consent form