LIVE SUPPORT LINE: +233 302 252071

Javascript DHTML Drop Down Menu Powered by

Loan Products

Our business loans are basically focused on growing very small and small businesses into becoming SME’s. We believe we can achieve this by providing quick, reliable and tailor made loan products for our growing clientele hence the name “Nkosuo” meaning “progress”. We support our clients by ensuring that their businesses experience a holistic and sustainable growth. We offer strategic financial advice to clients and non clients alike. We provide accurate and relevant tips on quality Business Management practices. We are not just responsible in our lending practices but we are also accountable to our clients and all other relevant stakeholders in the pursuit of our business objectives.


1.1 General Eligibility criteria

The prospective client (borrower) must have all the approvals, licenses, authorizations and other documentations required to engage in legitimate business. Under exceptional cases, Adehyeman may take into account licenses that are yet to be awarded with prior approval from the Credit Committee. The basic required documents include but are not limited to the following:

  • For individuals: A valid identity card or passport and a business operating permit from the Metropolitan or Municipal Authority, Internal Revenue Service or the VAT Service.
  • For legal entities: Company’s certificate of registration issued by the Registrar General Department and a valid identity card or passport of the duly registered representative(s), a court decree pronouncing the company set up and a constitutive act.

1.2 Creditworthiness

Adehyeman Savings & Loans Ltd undertakes to observe the policy of a prudential lending in compliance with the Bank of Ghana regulations. This means that Adehyeman will disburse loans to only creditworthy clients. The creditworthiness of prospective clients is decided based on the following:

  • A complete cash flow analysis demonstrates client’s sufficient ability to repay the loan.
  • Good Credit History with Adehyeman if client is taking a repeat loan.
  • Good Credit History with other financial institutions.

1.3 Loan Classification

To promote good portfolio management and to enhance product development, our loans have been classified and named according to volumes of loans disbursed.

Loan Classification Table



Flash Loans

GHC 100.00 - GHC 1,000.00

Micro loans

GHC 1,001.00 - GHC 3,000.00

Small loans

GHC 3,001.00 - GHC 15,000.00

SME loans

GHC 15,001.00 & Above

Javascript DHTML Drop Down Menu Powered by


»  Corporate Account Form

»  Personal Account

»  Deposit Slip

»  Cash Withdrawal Slip


RoyalPlus Accounts

Basic Requirements

  • Prospective client should have an existing RoyalFlex or RoyalMax ...

» Company/Group Accounts
» RoyalCare Account
» RoyalFlex Accounts
» RoyalKid Account
» RoyalMax Accounts
» RoyalPlan Account
» RoyalPlus Accounts
» Agro Loan
» Auto Loan - Taxi & Trotro
» Fast Kudi
» Group Loan
» Nkosuo Loan
» Quick Loan
» Salary Loan
» Board Members
» Management Profile
» Vision & Mission Statements
» Atonsu - Agogo Branch
» Dome Branch
» Head Office/ Avenor Branch
» Kumasi Branch
» Kwashieman Branch
» Makola Branch
» Ofankor Branch
» Swedru Branch

About Us  |  Products  |  Loan Products  |  Deposit Products  |  Branch Network  |  Financials  |  News & Features  |  Downloads  |  FAQ's  |  Contact Us  |  

Copyright 2013 Adehyeman Savings and Loans Company Ltd.   | All rights reserved