The capital your trade already earns — released when you need it.
Banks ask for collateral and audited accounts you don't have. We underwrite the cash flow your business already generates, so a creditworthy trader gets funded in hours, not months.
Partner-bank model · No penalty for early repayment
- GHS 5k–2M
- Facility size, growing with your history
- 24–48h
- Typical decision time
- 15–120
- Day tenors, matched to your trade cycle
- GHS 0
- Cross-border settlement fee (PAPSS)
Built for how trade actually works in West Africa
Not a repackaged consumer loan. Working capital designed around the trade cycle, the phone in your hand, and the documents you already have.
Your track record is the collateral
- Underwritten on mobile-money and trade data, not fixed assets.
- Every score comes with its reasons — no black box.
- Limits grow automatically as your repayment history builds.
Pay a supplier in Lagos from Accra — in seconds
- Local-currency settlement, near-instant.
- Interbank mid-market FX shown before you confirm, plus a flat 0.5%.
- Free to you — there is no PAPSS settlement fee.
Apply, draw and repay from where you trade
- Mobile-first, works on modest connections.
- Draw only what you need; unused limit costs nothing.
- Repay early with no penalty.
Every number, in the open
Transparency is the product. Here are the actual published ranges — no “contact us for pricing”, no spread hidden in the exchange rate.
| What | Rate | The detail |
|---|---|---|
| Financing fee | 1.5%–3.5% | per 30-day cycle, priced to your risk tier — the stronger your data, the lower the rate |
| One-time origination fee | 0.75% | charged only on drawn facilities, never on an approved limit you don’t use |
| Cross-border settlement | GHS 0 | PAPSS local-currency settlement is free to traders — no correspondent-bank spread |
| FX conversion | interbank + 0.5% | a single transparent margin; the mid-market rate is shown before you confirm |
| Advance size | GHS 5,000 – 2,000,000 | per approved facility, with limits that grow as your repayment history builds |
| Tenor | 15–120 days | matched to your trade cycle; repay early with no penalty |
Your financing fee is set by your risk tier — the stronger and more consistent your data, the lower your rate within the 1.5%–3.5% band. Pricing is confirmed before you draw and written into your facility agreement.
What you need to get started
A short, honest list. If you run a real trading business and can show recent activity, you can likely qualify.
- A registered trading business operating in a market we serve (Ghana today).
- At least 3 months of mobile-money or bank transaction history you can share.
- Genuine trade documents — invoices, purchase orders or shipping records.
- A valid national ID for KYC verification.
Why this matters
- $81B
- Africa’s annual trade-finance gapAfrican Development Bank
- 54
- AfCFTA member states trading as one marketAfrican Union
- 1.3B
- People inside the AfCFTA free-trade areaAfCFTA Secretariat
- ~50%
- Of SME trade-finance requests in Africa are rejectedAfDB / WTO
A regulated product, not a payday app
Bank of Ghana
Partner-bank model
Facilities originated with Bank of Ghana–licensed institutions while direct licensing is pursued.
KYC / AML
FATF-aligned
Risk-based identity verification and transaction monitoring on every trader and counterparty.
PAPSS
Instant settlement
Pan-African Payment & Settlement System — local-currency, near-instant cross-border settlement.
Act 843
Data Protection
Registered under Ghana’s Data Protection Act, 2012; data stays in-region and encrypted.
Trader FAQ
Straight answers, with the same real numbers you see everywhere else on this site.
Purchasing inventory, paying suppliers before goods ship, bridging the gap between shipping and buyer payment, and settling cross-border invoices. It is working capital for the trade cycle, not a personal loan.
No. Instead of collateral we underwrite the cash flow that already runs through your business — mobile-money history, prior trade transactions and invoice data — so creditworthy traders who banks turn away can qualify.
Facilities run from GHS 5,000 to GHS 2,000,000. First limits are sized to your verified trade volume and grow automatically as you build a clean repayment history.
A financing fee of 1.5%–3.5% per 30-day cycle set by your risk tier, plus a one-time 0.75% origination fee charged only on drawn funds. Cross-border settlement over PAPSS is free; FX is the interbank mid-market rate plus a flat 0.5%. No hidden charges, no penalty for early repayment.
No. You are charged only on what you draw. An approved limit that sits unused costs nothing.
Turn your trade history into working capital
Open an account in minutes, or talk to a corridor specialist about your trade cycle first.
No collateral · No penalty for early repayment