Flexible, transparent finance for Ghana's farmers, organised groups, salaried workers and business owners, built around how you earn and grow.
Built for trust
at every step
No one-size-fits-all lending. Each facility is structured around a clear source of income, a clear purpose and a clear path to repayment.
For Lead Farmers, FBOs and VSLAs aggregating produce for verified factory partners.
For eligible employees of banks, corporates, government agencies and financial institutions.
Short-term finance for business owners, including clearing agents and other entrepreneurs.
Straightforward facilities, published ranges and repayment structures tailored to each customer group.
Flexible working capital for Lead Farmers, Farmer-Based Organisations and VSLAs, tied to produce aggregation and formal supply agreements.
Short-term personal finance for eligible salaried employees, supported by employer verification and structured monthly repayment.
Short-term working capital for business owners, including clearing agents and other entrepreneurs, with funds available within 24 hours upon approval.
Published rates, fees, amounts and tenures are indicative and do not constitute an offer or guarantee of credit. Final terms are subject to KYC/AML screening, eligibility, affordability and credit assessment, documentation, approval, and applicable regulatory requirements.
01From business owners to organised groups, our products are designed around real income patterns, practical purposes and a repayment path that can be discussed openly.
02Our approach pairs structured credit assessment with human support, helping customers move from an initial question to a well-understood decision.
We combine human guidance with disciplined checks and digital disbursement, so you know what comes next.
Connect through a partner, referral, digital channel or branch visit and tell us what you need.
We complete KYC and AML screening, then verify your employer, FBO, VSLA or business relationship.
Our team reviews documents, interviews you and may conduct a site visit where required.
Qualifying applications target a decision within 72 hours through a tiered approval process.
Approved funds target release within 24 hours to your mobile money wallet or bank account.
Review the product requirements, then call, WhatsApp or email the F.O.D. office to discuss the next step.
