SkySource provides enterprise-grade, transparent, and responsive credit facilities tailored for Ghanaian Individuals, Groups, SMEs, and Cooperatives across Tamale, Kumasi, Takoradi, and Greater Accra. Powered by our innovative, secure Security Deposit Model.
Our automated credit scoring algorithm and dedicated branch officers across Northern, Ashanti, Western, Greater Accra, and Eastern regions ensure rapid credit assessment and bank transfer disbursement.
We do not operate customer savings. Instead, our transparent Security Deposit model (10% Cycle 1, 15% Repeat) safeguards your loan and gives you the flexibility of partial weekly offsets when you need them.
Visit our Headquarters in Tamale Central or any of our regional branches located in Kumasi Adum, Takoradi Market Circle, Accra High Street, Tema Community 1, and Koforidua Central for personalized financial guidance.
As an enterprise lending company licensed to provide specialized credit solutions from our headquarters in Tamale, Northern Region, SkySource focuses 100% of its core operations on efficient loan origination, risk mitigation, and business growth support.
By utilizing a **Security Deposit Model** instead of a general savings account:
Founded and headquartered in Tamale, Northern Region, Ghana, SkySource is dedicated to empowering Ghanaian traders, farmers, entrepreneurs, and cooperatives.
SkySource Microfinance & Lending Ltd was established at Bolgatanga Road, Tamale Business District, to address the distinct credit gap facing Northern Ghanaian enterprises, seasonal agribusinesses, and market cooperatives.
From our root operations in Tamale Central, we expanded across Ghana with state-of-the-art regional branches in Kumasi Adum, Takoradi Market Circle, Accra High Street, Tema Community 1, and Koforidua Central, offering transparent 3, 4, and 6-month credit facilities.
We operate under strict microfinance lending and non-bank financial institution compliance frameworks. Our Board of Directors and Executive Management enforce rigorous double-entry accounting checks, Portfolio at Risk (PAR) monitoring, and transparent Security Deposit trust accounting.
Our system architecture is inspired by the exact operational reliability of enterprise core banking software such as Temenos T24 while ensuring 100% Ghanaian ownership and responsiveness.
Total Working Capital Disbursed
Tamale HQ, Kumasi, Takoradi, Accra, Tema & Koforidua
Security Deposit Verification Accuracy
Configured with flat interest rates and weekly repayment schedules. Calculate your exact installment and required security deposit below.
Ideal for quick working capital restocking, small trader supplies, and immediate cash flow boosts across Tamale and regional hubs.
Our most popular enterprise facility for expanding SME inventory, purchasing machinery, and seasonal trading.
Designed for established corporate clients and large cooperatives requiring extended tenure and higher capital amounts.
Please provide accurate details. Applications are assessed by our credit engine within 2 business hours. All fields are required.
Our branch managers and dedicated loan officers are ready to assist you across 6 regional centers, headquartered in Tamale, Northern Region.
đ Address: Bolgatanga Road, Tamale Business District, Northern Region, Ghana
đ¨âđŧ Branch Manager: Richard Addo
đ Phone: +233 37 202 3311 | Toll-Free: 0800 100 200
đ Address: Prempeh II Street, Adum Commercial Area, Kumasi, Ashanti Region
đŠâđŧ Branch Manager: Akua Serwaa
đ Phone: +233 32 202 4455
đ Address: Market Circle Commercial Hub, Takoradi, Western Region
đ¨âđŧ Branch Manager: Emmanuel Mensah
đ Phone: +233 31 202 8899
đ Address: High Street Commercial Center, Accra, Greater Accra Region
đ¨âđŧ Branch Manager: Ibrahim Alhassan
đ Phone: +233 30 266 1122
đ Address: Meridian Road, Community 1 Commercial Area, Tema, Greater Accra
đŠâđŧ Branch Manager: Mrs. Patricia Ofori
đ Phone: +233 30 320 4411
đ Address: Jackson Park Road, Central Koforidua, Eastern Region
đ¨âđŧ Branch Manager: Samuel Darko
đ Phone: +233 34 202 1100
Everything you need to know about our lending terms, exact security deposit calculations, and customer protections.
SkySource is a dedicated lending institution headquartered in Tamale, Northern Region, and does not operate withdrawable savings accounts. The Security Deposit is a dedicated credit collateral fund locked in trust during your active loan tenure. It guarantees your loan and provides a twice-per-cycle emergency buffer for weekly installments.
For your **First Loan Cycle (Cycle 1)**, the required initial deposit is **10%** of the approved loan amount. For repeat loans (**Cycle 2 and above**), the required initial deposit is **15%** of the approved loan amount. This must be paid before disbursement.
Yes! Under our **Security Deposit Offset** rules, if you miss a weekly installment, the company or you may request to offset that installment using your deposit provided:
âĸ You have completed at least **50%** of your repayment schedule.
âĸ You have not exceeded the maximum limit of **2 offsets** during that loan cycle.
Once your outstanding loan balance reaches GHS 0.00, you have two choices:
âĸ **Full Refund:** We immediately refund 100% of your remaining security deposit in cash or via mobile money.
âĸ **Carry Forward to Next Cycle:** Keep the deposit in your account to automatically satisfy the 15% initial deposit requirement for a larger repeat loan!
You can pay conveniently via Mobile Money (**MTN Mobile Money** or **Telecel Cash**) to our official shortcode `*889#`, via bank transfer to our GCB/Ecobank accounts, or in cash at our Tamale Central HQ or regional branches.
Our customer support team in Tamale, Northern Region, is available Monday to Saturday, 8:00 AM to 5:00 PM.
Logged in as: Kwame Osei-Agyeman (Branch: Tamale Central Branch (HQ)) | IP: 197.251.12.88 | 2FA: VERIFIED (TOTP)
| Loan Number | Customer Name | Product & Cycle | Principal (GHS) | Outstanding Balance | Required SD vs Paid | Disbursement Status | PAR Status | Actions |
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