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About Us Contact Us ๐Ÿ‡ฌ๐Ÿ‡ญ Ghana
๐Ÿ’ต Payday Advance
๐Ÿ“ฑ SmartCash
๐ŸŽ“ ProLift
Our Loan Products

Three Ways We Help You

Simple, transparent lending built specifically for Ghanaians. Choose the product that fits your need.

Product 01
Payday Advance
Salary-backed facility with instant quotation, transparent pricing, and single maturity repayment. For employed professionals.
โšก Instant quotation after assessment
โœ“
Valid Ghana Card (National ID)
โœ“
Employment letter or payslip
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Terms from 1 to 8 weeks
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Up to GHS 20,000
Apply for Payday Advance โ†’
Product 02
Fundora SmartCash
Turn your gadget into quick cash. Pledge your device, get funded, and retrieve it after repayment. No income proof needed.
Accepted as collateral
๐ŸŽฎ PlayStation
๐Ÿ“ฑ Smartphone
๐Ÿ’ป Laptop
โœ“
Valid Ghana Card
โœ“
Item in full working condition
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Terms from 1 to 8 weeks
Apply for SmartCash โ†’
Product 03
Fundora ProLift
Finance your ACCA, ICAG, CITG, or other professional programme fees. Don't let money pause your career progress.
๐ŸŽ“ Flexible funding for your professional progression
โœ“
Valid Ghana Card
โœ“
Fee invoice or registration proof
โœ“
Terms from 1 to 12 weeks
โœ“
Employed or with stable income
Apply for ProLift โ†’
The Process

Get Your Loan in 4 Simple Steps

From your first quotation to final disbursement, the process stays transparent and easy to follow.

01

Apply Online or WhatsApp

Fill our quick form or start a guided WhatsApp application. Takes under 5 minutes. No branch visit needed.

02

Review Your Instant Quote

See the amount you may qualify for, the term, the pro-rated facility charge, and the total amount due before you continue.

03

Submit Your Documents

Complete the contract stage with your Ghana Card, selfie, salary evidence, or collateral details so our team can verify your file.

04

Receive Your Funds

Approved files move quickly to disbursement. Money goes to your MoMo or bank account once verification is complete.

Loan Calculator

See Your Indicative Total Due

See your indicative total due.

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โ€”
Your Repayment Estimate
Estimated Total Due
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Select loan product to calculate
Principal Amountโ€”
Facility Chargeโ€”
Total Due at Maturityโ€”
Loan Periodโ€”

* Estimates only. Final approval still depends on the application review, supporting documents, and collateral inspection where applicable.

Common Questions

Frequently Asked Questions

Select a product to see relevant answers.

How quickly can I receive funds?+
Once your application is approved and all documents are verified, funds are typically disbursed within 24 hours to your MoMo or bank account.
Is my personal data safe?+
Yes. Your data is encrypted and stored securely. We never share your information with third parties. All communication is confidential.
Can I repay early?+
Absolutely. Early repayment is encouraged. If you repay before your due date, you save on interest โ€” the charge for the remaining period is waived entirely.
What happens if I cannot repay on time?+
Please contact us immediately. We work with borrowers to find practical solutions. Late repayment may attract additional charges, and persistent default could affect future applications.
How flexible is the repayment?+
Very flexible. You can repay as a lump sum at maturity, or make partial payments at any time. For business loans, you can repay daily or weekly. Early settlement saves you interest.
Do I need a bank account?+
Not necessarily. We disburse to MTN MoMo, Telecel Cash, AirtelTigo Money, or bank accounts โ€” whichever works best for you.
How is repayment structured?+
You choose daily or weekly repayment that fits your cash flow. The facility charge is 2.5% per week, with enough time to repay in 8 weeks. Early repayment saves you interest on the remaining period.
Do I get an instant quote?+
StockFlow applications are reviewed individually by our team. You submit your business details, and we contact you within 24 hours with a tailored offer based on your revenue and trading strength.
Do I need a guarantor?+
A guarantor may be required depending on the amount and your business profile. This is discussed during the contract stage after your application is reviewed.