Market Rates
USD/GHS10.94
GBP/GHS14.62
EUR/GHS12.61
CNY/GHS1.59
GSE-CI15,868
Inflation3.3%
Policy Rate27.0%
T-Bill 91d6.45%
USD/GHS10.94
GBP/GHS14.62
EUR/GHS12.61
CNY/GHS1.59
GSE-CI15,868
Inflation3.3%
Policy Rate27.0%
T-Bill 91d6.45%
Full Data →
Bank of Ghana Licensed · 100% Ghanaian-Owned

We believe in
your business.

Even when banks don’t.

Fast, flexible and affordable credit for Ghanaian businesses. From market traders to growing enterprises, TruCredit funds the people who power our economy.

Apply for Funding →WhatsApp Us
Bank of Ghana Licensed
100% Ghanaian-Owned
MCAG Member
Disbursed in 24hrs
LOAN APPROVED
Just now

"TruCredit approved my loan in 24 hours. My shop is growing."

Market Trader, Accra

Fast
Decisions in 24 hours
Flexible
Built around your cash flow
Affordable
Competitive, transparent rates
Secure
Bank of Ghana licensed

Our Products

A loan built for your business

Whether you run a market stall or a growing company, there is a TruCredit product designed for you.

Micro and Small Businesses

Tru Express Loan

Short-term funding for informal sector businesses. No collateral required.

Learn more →
Working Capital for SMEs

Tru Booster Loan

Finance inventories, receivables and payables to keep your business moving.

Learn more →
Salaried Individuals

Tru PayDay Loan

Personal loans for medical, education, home improvements and more.

Learn more →
View all products →

Guided by Purpose

Our mission and vision

Mission

To become the most preferred funder for Ghanaian MSMEs

We exist for the businesses traditional banks overlook. Entrepreneurs who are ready to grow but need a funder who truly understands them.

Vision

Fast, flexible and affordable financial solutions through technology

Simpler processes, faster decisions and better outcomes for every customer and stakeholder we serve.

Partners, Regulators & Affiliates

Bank of Ghana
Bank of Ghana
Regulator
Collateral Registry
Collateral Registry
BoG Registry
MCAG
MCAG
Micro-Credit Assoc.
Stanbic Bank
Stanbic Bank
Banking
StarLife Assurance
StarLife Assurance
Insurance
MTN Ghana
MTN Ghana
Mobile Money
mNotify
mNotify
Communications
XDS Data Ghana
XDS Data Ghana
Credit Bureau
Bank of Ghana
Bank of Ghana
Regulator
Collateral Registry
Collateral Registry
BoG Registry
MCAG
MCAG
Micro-Credit Assoc.
Stanbic Bank
Stanbic Bank
Banking
StarLife Assurance
StarLife Assurance
Insurance
MTN Ghana
MTN Ghana
Mobile Money
mNotify
mNotify
Communications
XDS Data Ghana
XDS Data Ghana
Credit Bureau

NOW LIVE · AI CREDIT SCORING

Introducing
TruScore

AI-Powered Credit Scoring for Thin-File Borrowers.

Ghana's first psychometric credit scoring system built for the informal sector. TruScore turns 100+ alternative data signals into a reliable credit score — giving MSME entrepreneurs their first real shot at formal finance.

“TruScore will become the credit infrastructure for the unbanked in Africa.”

No bureau history needed

Scores thin-file borrowers who have never had a formal loan before.

Decision in under 5 seconds

Real-time AI scoring from submission to output — fast enough for same-day disbursement.

Built for Ghana's informal economy

Psychometric and alternative data trained on Ghanaian MSME credit behaviour.

Explore TruScore How It Works

TruScore Dashboard

Hello, Akosua 👋

LIVE SCORE
742
EXCELLENT
+24 pts
vs Last Month
Top 8%
Market Rank
GHS 8.5k
Eligible

Score Trend — 6 Months

Jan Feb Mar Apr May Jun

AI Confidence

94.7%

Decision Time

4.2s

Powering smarter lending decisions: 300+ Borrowers Scored 100+ Alternative Data Points 94.7% AI Accuracy

Insights

From the TruCredit blog

All articles →
Business Growth

March 2026

5 ways Ghanaian MSMEs can manage cash flow gaps during slow seasons

Read →
Finance Tips

February 2026

Understanding your credit score in Ghana

Read →
Economy

January 2026

What the GHS exchange rate means for your business

Read →

Ready to grow your business?

Speak to our team today. We will find the right product and get you funded fast.

Apply for Funding →WhatsApp Us

Licensed by the Bank of Ghana · Member of MCAG · 100% Ghanaian-Owned

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TruCredit Assistant
Powered by AI · Call +233 (0) 59 593 9637