Cap-kon Micro-credit Ent.
Financial inclusion for traders, small businesses, salaried workers and community groups — practical loans with repayments through MTN Mobile Money.
Credit that fits how you earn
Personal loans, community micro-loans, bullet loans and SME financing tailored for small business growth.
SME & working capital loans
Short-to-medium term loans (1–6 months) for market traders, shops and small businesses to stock inventory or fund operational needs.
Bullet / term loans
Lump-sum repayment structures for seasonal traders or contract-backed projects, where capital and interest are paid at maturity.
Personal & payroll loans
Salary-advance or emergency credit for formal-sector employees, typically cleared through payroll deduction or direct debit.
Community / group loans
Solidarity lending for informal trade groups or cooperative members, where group members cross-guarantee each other’s repayments.
What you will need
Our assessment relies on practical verification rather than complex financial audits.
- Identification & verification
- Ghana Card, digital address (GhanaPostGPS), a business site visit and utility bills.
- Guarantors
- One or two credible guarantors — for example civil servants, established business owners or community leaders.
- Credit bureau check
- A query through a licensed credit bureau (XDS Data) to screen for existing defaults or over-indebtedness.
- Collateral
- Temporary custody of chattel assets (such as vehicle logbooks, household or business electronics, or post-dated cheques), registered with the Bank of Ghana Collateral Registry.
Disbursement & repayment
Enquire
Send a loan enquiry online or speak to one of our field credit officers.
Verification
We verify your identity, business site, guarantors and credit history.
Disbursement
Approved loans are disbursed through the cheque system.
Repay with MoMo
Repayments are made through MTN Mobile Money, cutting cash-handling risk.
Field credit officers who know your market
Our mobile field credit officers visit markets, commercial hubs and client shops to monitor business health, build relationships and support daily or weekly repayment routines.
Early follow-up is part of the service: credit officers are in touch from the first day a repayment is missed, so problems are solved early.
Coming soonMobile lending platform
We are launching a dedicated mobile lending platform to speed up loan processing and disbursement and reach more clients. Until then, send us a loan enquiry and an officer will contact you.
Financing the value chain
Cap-kon Micro-credit funds internal group projects and provides micro-financing, seasonal prepayments and fair-trade premiums to Oliveshea’s shea suppliers — securing a steady, high-quality supply and lasting supplier relationships.
Need working capital or a personal loan?
Send a loan enquiry and a credit officer will contact you. Please do not send ID documents by email.