Fast, short-term funding for micro and small businesses in the informal sector. Affordable, no collateral required — because our vision is financial solutions that work for every Ghanaian entrepreneur.
The flexible working capital product for Ghanaian SMEs. Finance inventories, receivables, and payables — structured around how your business actually operates.
A fast, affordable personal loan for salaried individuals. Medical emergencies, school fees, home improvements — technology-enhanced for quick decisions and flexible repayment.
FAQ
Cannot find your answer here? Call or WhatsApp us on +233 (0) 59 593 9637 and we will help you personally.
Need help now?
Our team is available Monday to Friday, 8am to 5pm. WhatsApp is the fastest way to reach us.
We aim to disburse all approved loans within 24 hours. In most cases, the money reaches you the same day your application is approved. We use mobile money and direct bank transfer to make the process as fast as possible.
No. Our Tru Express Loan and Tru Booster Loan are both guarantor-based, meaning you need someone who can vouch for you rather than physical assets. The Tru PayDay Loan is based on your salary and employment record. None of our products require you to pledge property or equipment.
A guarantor can be a family member, friend, colleague or fellow trader who knows you well and trusts your ability to repay. They do not need to be wealthy, but they should have a stable background and be willing to take responsibility if you are unable to repay. They will need to provide their ID and be available to speak with our team.
You will need a valid national ID (Ghana Card), a recent passport-size photo, and a copy of a recent utility bill. For business loans, a business operating permit helps but is not always required, especially for informal sector applicants. Salaried borrowers applying for the Tru PayDay Loan also need three months of bank statements and a payslip or proof of employment.
Yes. We serve the informal sector and understand that many productive businesses in Ghana operate without formal registration. While registration strengthens your application, we will still consider your request based on your trading history, business activity and character. Come in and speak to our team.
Loan amounts depend on your business size, income, repayment ability and credit history. We do not publish fixed limits because we assess each application individually and structure the loan around what you can realistically repay. Contact us or visit our office in Accra to discuss your specific situation.
Contact us as soon as you know you may have difficulty. We would far rather speak with you early and find a solution than see you fall behind. Do not wait until you have missed a payment. Call or WhatsApp us on +233 (0) 59 593 9637 and we will work with you.
Yes. TruCredit reports loan repayments to the credit bureau. This means that every loan you repay on time builds a positive credit history in your name, which opens doors to larger loans and better terms in future. It is one of the real long-term benefits of borrowing with us.
Yes, you can repay ahead of schedule. Speak to our team about the terms that apply. Early repayment is a positive sign and strengthens your credit record for future borrowing.
Yes. TruCredit Micro-Credit Enterprise is fully licensed by the Bank of Ghana under the Non-Banking Financial Institutions Act 2008 (Act 774). We are also a member of the Micro-Credit Association Ghana (MCAG). You can verify our licence directly with the Bank of Ghana.
You can apply by visiting our office at 45 Nmai Dzorn Adjiringanor Road, Accra, calling us on +233 (0) 59 593 9637, sending a WhatsApp message to the same number, or submitting the contact form on our website. Our team will guide you through the next steps.
Currently our main office is in Accra. If you are based outside Accra and would like to discuss your options, please call or WhatsApp us and we will let you know how we can help.
Not sure which product fits your business? Our team will find the right solution.