Business Banking
Banking that works as hard as you do
From the market stall to the cocoa farm, we finance and support the enterprises that keep this region moving.
For Enterprises
A banking partner who understands local business
Our credit officers visit your shop, your farm and your market. They price your loan around your cash flow — a trader's daily takings, a farmer's harvest calendar — not around a template drawn up in a city office.
- Loan decisions in as little as five working days
- Flexible collateral — stock, equipment or guarantors
- Free business advisory and book-keeping clinics
- Dedicated relationship officer for growing SMEs
Products & Services
Built for shops, farms and institutions
SME Business Account
A transactional account built for shops, contractors and growing enterprises.
- Local transfers and bulk payments
- Dedicated relationship officer
- Free business advisory clinics
Agro Production Loan
Season-aligned financing for maize, cassava, cocoa and poultry ventures.
- Repayment timed to your harvest
- Grace periods up to four months
- Group applications welcome
Trade & Working Capital
Stock-up finance for market traders, distributors and importers.
- From GHS 1,000 to GHS 200,000
- Flexible collateral — stock or guarantors
- Decision within five working days
Group Lending
Village savings circles with credit top-ups — no collateral required.
- Groups of five to twenty-five members
- Peer-guaranteed approvals
- Weekly collection meetings
Payroll & Agency Services
Salary processing for schools, assemblies and small institutions.
- Bulk salary upload
- Staff loans against salary
- Payslip printing and delivery
Ready When You Are
What you'll need to bring
Preparing these in advance makes your application the fastest in the district.
- Business registration or certificate of incorporation
- Ghana Card of proprietors / directors
- TIN certificate of the business
- Six months of statements, where available
- Collateral or guarantors, depending on the facility
Let's grow your business
Talk to a relationship officer today — or start your application online and we'll call you back.