Flexible, transparent finance for Ghana’s farmers, organised groups and salaried workers—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.
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.
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.
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 or VSLA 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.
