Many small manufacturing companies rely on borrowed capital to fund equipment purchases, maintain business operations, and fuel growth. And like many small businesses, they face challenges larger companies don’t face when looking for borrowed capital. This is particularly true right now, as the Ghanaian economy is going back to work following the economic shutdown caused by COVID-19.

Short- and long-term small business loans, lines of credit, equipment financing and factoring all have a place within the manufacturing process (though some are better suited for specific use cases within the world of manufacturing).



Manufacturing companies tend to be resource-intensive business. Generally, manufacturing companies need funds to:

• Fulfill new purchase orders

• Buy materials

• To buy machinery and equipment to keep up with demand

• Supply chain interruptions

• Customers pay slowly

• Fluctuations in energy costs and expenditures

• Acquire real estate



• Maximum annual lending rate : 20%

• Typical repayment period : 2-5 years



• Your manufacturing business MUST be registered, either as a Sole Proprietor or Limited Liability Company

• Your registered business MUST have a business bank account with any of the 23 BoG-regulated universal banks.

• Your business MUST be operating and be in a position to provide us most recent 12 months business bank statement.

• Your registered business MUST have a website

• Your business website MUST be hosted with us




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