TAMALE CENTRAL HQ â€ĸ NORTHERN REGION â€ĸ GHANA

Empowering Ghanaian Businesses Under One Clear Sky

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.

🚀 Fast 24-Hour Disbursement

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.

🔒 Transparent Security Deposits

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.

đŸ‡Ŧ🇭 Nationwide Branch Network

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.

Why SkySource Uses a Security Deposit Instead of Customer Savings

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:

  • Guaranteed Loan Protection: Your initial 10% (Cycle 1) or 15% (Cycle 2+) deposit remains securely locked in trust during the active loan period.
  • Built-in Safety Net (Twice-Per-Cycle Offsets): If your business experiences a temporary cash flow hiccup after completing >= 50% of your schedule, you can offset up to 2 weekly installments using your deposit!
  • Carry-Forward Advantage: When you complete your loan, you can either receive a full cash refund OR carry forward your deposit to unlock a larger repeat loan with higher credit limits immediately.

Security Deposit Quick Reference Table

Loan Cycle Initial Deposit Req. Weekly Contribution Partial Offset Rules
Cycle 1 (New) 10.00% of Loan 2.00% / week After 50% paid, max 2 times
Cycle 2+ (Repeat) 15.00% of Loan 2.00% / week After 50% paid, max 2 times

đŸĸ About SkySource Microfinance & Lending Ltd

Founded and headquartered in Tamale, Northern Region, Ghana, SkySource is dedicated to empowering Ghanaian traders, farmers, entrepreneurs, and cooperatives.

🌟 Our Foundation in Tamale, Northern Region

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.

đŸ›Ąī¸ Governance & Microfinance Compliance

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.

GHS 15M+

Total Working Capital Disbursed

6 Regional Hubs

Tamale HQ, Kumasi, Takoradi, Accra, Tema & Koforidua

99.4%

Security Deposit Verification Accuracy

SkySource Enterprise Loan Products

Configured with flat interest rates and weekly repayment schedules. Calculate your exact installment and required security deposit below.

3 Months Express
12 Weeks
12% Flat Interest

Ideal for quick working capital restocking, small trader supplies, and immediate cash flow boosts across Tamale and regional hubs.

  • ✅ Duration: 3 Months (12 Weekly Installments)
  • ✅ Loan Limits: GHS 1,000 to GHS 30,000
  • ✅ Initial Deposit: 10% (Cycle 1) / 15% (Cycle 2+)
  • ✅ Processing Fee: 2.00% upfront
⭐ 4 Months Business Growth
16 Weeks
16% Flat Interest

Our most popular enterprise facility for expanding SME inventory, purchasing machinery, and seasonal trading.

  • ✅ Duration: 4 Months (16 Weekly Installments)
  • ✅ Loan Limits: GHS 2,000 to GHS 50,000
  • ✅ Initial Deposit: 10% (Cycle 1) / 15% (Cycle 2+)
  • ✅ Grace Period: 7 Days included
6 Months Expansion
24 Weeks
18% Flat Interest

Designed for established corporate clients and large cooperatives requiring extended tenure and higher capital amounts.

  • ✅ Duration: 6 Months (24 Weekly Installments)
  • ✅ Loan Limits: GHS 5,000 to GHS 100,000
  • ✅ Initial Deposit: 10% (Cycle 1) / 15% (Cycle 2+)
  • ✅ Repayment: Weekly structured flow

⚡ Dynamic Loan & Security Deposit Calculator

📌 Security Deposit Note: Initial Security Deposit must be paid to cashier or via mobile money before loan disbursement. This deposit is locked during the active loan tenure.

Calculation Breakdown Summary

Principal Loan Amount: GHS 15,000.00
Flat Interest Rate & Amount: 16% (GHS 2,400.00)
Processing Fee (2%): GHS 300.00
Total Repayable (Principal + Interest): GHS 17,400.00
Weekly Loan Installment (16 Weeks): GHS 1,087.50 / wk

🔒 Mandatory Security Deposit Requirements
Required Initial Deposit (10%): GHS 1,500.00
Weekly Security Deposit Contribution (2%): GHS 300.00 / wk

📝 SkySource Online Loan Application Form

Secure SSL / 256-Bit

Please provide accurate details. Applications are assessed by our credit engine within 2 business hours. All fields are required.

â„šī¸ Security Deposit Acknowledgment: By clicking submit, you acknowledge that upon loan approval, the mandatory Initial Security Deposit (10% or 15% depending on cycle) must be paid before funds are released via bank transfer or mobile money.

đŸ‡Ŧ🇭 SkySource Nationwide Branch Network

Our branch managers and dedicated loan officers are ready to assist you across 6 regional centers, headquartered in Tamale, Northern Region.

Tamale Central Branch (HQ)
Headquarters

📍 Address: Bolgatanga Road, Tamale Business District, Northern Region, Ghana

👨‍đŸ’ŧ Branch Manager: Richard Addo

📞 Phone: +233 37 202 3311 | Toll-Free: 0800 100 200

Kumasi Adum Branch
Ashanti Hub

📍 Address: Prempeh II Street, Adum Commercial Area, Kumasi, Ashanti Region

👩‍đŸ’ŧ Branch Manager: Akua Serwaa

📞 Phone: +233 32 202 4455

Takoradi Market Circle
Western Hub

📍 Address: Market Circle Commercial Hub, Takoradi, Western Region

👨‍đŸ’ŧ Branch Manager: Emmanuel Mensah

📞 Phone: +233 31 202 8899

Accra High Street Branch
Greater Accra Hub

📍 Address: High Street Commercial Center, Accra, Greater Accra Region

👨‍đŸ’ŧ Branch Manager: Ibrahim Alhassan

📞 Phone: +233 30 266 1122

Tema Community 1 Branch
Harbour Hub

📍 Address: Meridian Road, Community 1 Commercial Area, Tema, Greater Accra

👩‍đŸ’ŧ Branch Manager: Mrs. Patricia Ofori

📞 Phone: +233 30 320 4411

Koforidua Central Branch
Eastern Hub

📍 Address: Jackson Park Road, Central Koforidua, Eastern Region

👨‍đŸ’ŧ Branch Manager: Samuel Darko

📞 Phone: +233 34 202 1100

❓ Frequently Asked Questions & Business Rules

Everything you need to know about our lending terms, exact security deposit calculations, and customer protections.

1. What is the difference between a Security Deposit and Customer Savings?

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.

2. How much is the Initial Security Deposit?

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.

3. Can I use my Security Deposit to cover a missed weekly repayment?

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:
â€ĸ You have completed at least **50%** of your repayment schedule.
â€ĸ You have not exceeded the maximum limit of **2 offsets** during that loan cycle.

4. What happens to my Security Deposit when I fully repay my loan?

Once your outstanding loan balance reaches GHS 0.00, you have two choices:
â€ĸ **Full Refund:** We immediately refund 100% of your remaining security deposit in cash or via mobile money.
â€ĸ **Carry Forward to Next Cycle:** Keep the deposit in your account to automatically satisfy the 15% initial deposit requirement for a larger repeat loan!

5. How do I repay my weekly installments?

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.

đŸ“Ŧ Contact SkySource Customer Care (Tamale Central HQ)

Our customer support team in Tamale, Northern Region, is available Monday to Saturday, 8:00 AM to 5:00 PM.

📍 Headquarters Address: Bolgatanga Road, Tamale Business District, Northern Region, Ghana
📞 Primary Support Phone: +233 37 202 3311 (Toll-Free: 0800 100 200)
âœ‰ī¸ Support Email: support@skysource.gh

đŸĸ SkySource Enterprise Staff Portal Super Admin

Logged in as: Kwame Osei-Agyeman (Branch: Tamale Central Branch (HQ)) | IP: 197.251.12.88 | 2FA: VERIFIED (TOTP)

Active Customers

6
đŸ‘Ĩ

Active Loan Portfolio

GHS 94,866
💰

Security Deposits Held

GHS 21,500
🔒

Portfolio at Risk (PAR)

5.90%
âš ī¸

📊 Regional Branch Portfolio Breakdown (GHS)

Tamale Central Branch (HQ) GHS 74,866.66 (78.9%)
Kumasi Adum Branch GHS 10,000.00 (10.5%)
Takoradi Market Circle Branch GHS 10,000.00 (10.5%)

đŸ’ĩ Monthly P&L Summary

Interest Revenue: + GHS 142,800.00
Fee & Penalty Income: + GHS 22,700.00
Total Operating Revenue: GHS 165,500.00
Operating Expenses & Provision: - GHS 66,700.00
Net Profit (PBT): GHS 98,800.00

📑 Recent Active Loan Portfolio

Loan Number Customer Name Product & Cycle Principal (GHS) Outstanding Balance Required SD vs Paid Disbursement Status PAR Status Actions