Fuel your growth with cooperative capital.
Whether you're expanding your shop, buying new equipment, or hiring your first staff — we back Ghanaian entrepreneurs at every stage.
Grow your business with confidence
Working capital
Stock, inventory, payroll — the everyday cash your business needs.
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Working capital loans smooth out cash flow between orders and receivables — restock inventory, cover supplier deposits, or bridge payroll during slow weeks. Terms are typically 6–12 months with flexible repayment matched to your sales cycle.
Expansion loans
Larger loans for new locations, equipment and long-term growth.
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Bigger investments — a second branch, refrigeration, delivery vehicles or production equipment — need longer horizons. Expansion loans run up to 36 months with structured monthly repayments and optional grace periods while the new asset ramps up.
SME advisory
Guidance from our credit team on structuring your finances.
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Every business loan comes with a free structuring session — we help you separate personal and business cash flow, plan realistic repayments, and identify the right facility size. Long-term borrowers also get quarterly check-ins.
Fair terms
Repayment aligned to your business cycles and receivables.
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Weekly, bi-weekly and monthly repayment options are all on the table. Seasonal businesses can request an initial grace period, and members with strong repayment history earn improved rates on subsequent loans.
Business loan features
- Loan amounts up to GH₵ 250,000
- Terms from 6 to 36 months
- Weekly, bi-weekly or monthly repayment options
- Preferred rates for cooperative members with 6+ months of savings
- Optional grace period for seasonal businesses
Ready to take the next step?
Our team in Adjiringanor is ready to help you save, borrow and grow with confidence.