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Loan Products || Flash Loans

A.  Specific eligibility criteria:

  • Have a regular cash flow.
  • Business should have existed and operated for at least six months.
  • In case of activities with highly seasonal trend, business should have existed for at least a year.
  • In cases where loan is needed to start trading, non traders must have been in employment (that is, the source of employment being used to access the loan) for not less than a year.
  • Be owned and operated by a Ghanaian resident(s) residing in Ghana.
  • Have a minimum equity of GHC 200.00 (Ghana cedi).
  • Business must be operated within the defined zone of operations for our branches.

B.  Basic documentary requirement:

  • Sales book (where available).
  • Purchases receipt and other purchases related invoices (where available).
  • Bank statement (where applicable).
  • Evidence of business ownership.
  • A national identity card.

C.  Features


Product specification


Who qualifies?

Any regular income earner/business owner.
Preferable must be a member of a market group or an association.


For investing into trade businesses (Working Capital) or acquiring business assets (Fixed Asset)

Mode of calculation

Instalments will be calculated using the flat method on a monthly basis.


Cash Securities, Business & Household Assets and Inventories are the acceptable collaterals.
The total collateral value should not be less than the following percentages of the approved loan amounts:

Guarantor requirement

1. One fully employed family related guarantor
2. An additional non-related guarantor is required in case the family related guarantor is not employed or without regular income.


Interest rates are very affordable and extremely competitive.            
Disbursement fee is a fixed rate of 3.5% for all Flash Loans and is taken upfront.


Maximum maturity for the various loan products will be as follows:
                             Working Capital      Fixed Assets     
New applicant           - 6 months          10 months
Repeat applicant       -  8 months          12 months
Exceptional cases may be considered depending on the loan purpose; however Maturity limit will not exceed 18 months.

Processing time

New applicants  - 3 working days
Repeat applicants - 2 working days

Mode of repayment

Loan repayment is made via a current account owned by client with ASL.

Loan modification

Loans can be restructured, rescheduled and/or refinanced before maturity.


Min - GHC 100.00
Max - GHC 1,000.00

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