Business Loan Features
Our business micro-loans are designed to provide the capital you need to start, expand, or optimize your business operations.
Flexible Financing
Access loans from ₵5,000 to ₵50,000 with customizable repayment terms to match your business cash flow.
- Competitive interest rates
- No early repayment penalties
Quick Approval
Streamlined application process with decisions as fast as 48 hours and funding within 3-5 business days.
- Minimal documentation
- Fast digital processing
Business Support
Access to business advisory services, financial planning, and networking opportunities for growth.
- Free business consultations
- Entrepreneurship workshops
Business Loan Options
Choose the right financing solution for your specific business needs.
Success Stories
See how our business loans have helped entrepreneurs across Ghana grow and thrive.
Adwoa's Fashion Boutique
Retail | Accra
"With Kama's business loan, I expanded my boutique from a small stall to a proper shop. My inventory doubled and sales increased by 70% in just 6 months."
Kofi's Catering Service
Food & Beverage | Kumasi
"Kama Credit helped me purchase industrial kitchen equipment that transformed my small catering business into a full-service operation serving corporate clients."
Tech Solutions Ghana
Technology | Accra
"Our working capital loan from Kama enabled us to take on larger projects by hiring more developers and investing in better equipment."
Simple Application Process
Our streamlined application process gets you from application to funding in just a few steps.
Apply
Complete our simple online application or visit any branch
Submit Documents
Provide business documents and financial information
Get Approved
Receive loan decision within 48 hours
Receive Funds
Funds transferred to your business account
Ready to Grow Your Business?
Apply for a business loan today and take your enterprise to the next level. Our team is ready to assist you every step of the way.
Application Requirements
- Business registration documents
- 6 months of bank statements
- Valid ID and proof of address
- Simple business plan (for new businesses)
Apply for a Business Loan
What to expect:
- Complete the online application (10-15 minutes)
- Upload required documents
- Receive application confirmation
- Review and approval (typically within 48 hours)
- Funds disbursement to your business account
By applying, you agree to our terms of service and privacy policy.
Frequently Asked Questions
Find answers to common questions about our business loan services.
We provide loans to registered businesses operating for at least 6 months. This includes retail shops, service providers, manufacturers, and more. Start-ups with strong business plans may also qualify for special start-up loans.
Our interest rates range from 18% to 24% annually, depending on loan type, amount, and business risk profile. We charge a one-time processing fee of 2-3% of the loan amount. There are no hidden fees or early repayment penalties.
From application to funding typically takes 3-7 business days. Applications are reviewed within 48 hours, and once approved, funds are disbursed within 1-3 business days to your designated account.