Ghana's SME Credit Revolution
Affordable business loans. Smart investments. Powered by AMJ Financial.
Banks say no.
We say yes.
Ghana's SMEs face a GHS 4.8 billion financing gap. Traditional banks demand land titles, take months to decide, and charge punishing rates — locking 80% of small businesses out of formal credit.
CediCredit uses your Mobile Money history as proof of business, scores you with AI in 24 hours, and matches you with patient capital from vetted investors.
How it works
Simple, fast, transparent — for both sides of the marketplace.
Register & Complete Profile
Share your business details and 6-month MoMo history.
Get Credit Scored
Our AI scores your business in 24 hours — no land title needed.
Receive Loan Offer
Review your personalised rate and repayment schedule.
Funds via Mobile Money
Disbursed directly to your MTN MoMo or Vodafone Cash.
Why trust CediCredit?
A regulated, audited, locally-grounded credit marketplace built for Ghana.
Bank of Ghana compliant framework
Operating within BoG regulatory guidelines for credit facilitation.
GIRSAL credit guarantee partner eligible
Loans qualify for Ghana's SME credit guarantee programmes.
Mastercard Foundation aligned
Supporting youth and women entrepreneurship in West Africa.
AMJ Financial — regulated services
Licensed financial services brand backing the platform.
End-to-end data encryption
Your financial data is encrypted in transit and at rest.
Mobile Money integration
MTN MoMo, Vodafone Cash, and AirtelTigo Money supported.
See your repayment in seconds.
Indicative pricing at 24% APR. Your final rate is personalised based on your MoMo activity and credit profile.
Trusted by Ghanaian entrepreneurs
Real businesses, real funding, real growth.
"Got GHS 45,000 in 3 days when my bank wanted 6 weeks. CediCredit understands SMEs."
"The MoMo-based scoring is genius. I finally got working capital without collateral."
"Fair rates, transparent terms, and money in my MoMo wallet the same week. Brilliant."