Nungua Estates · Accra, Ghana

Fast Credit for the
People Who Build
Our Community

Ethical, transparent micro-credit for salary earners and women-led businesses — with 24-hour MoMo disbursement, zero hidden fees, and a team that knows your name.

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Salary Earner Loan

Up to GH₵ 5,000

Low Rate

3-month tenor · Payslip required · 24-hr disbursement

SME Working Capital

Up to GH₵ 5,000

Popular

Women-owned businesses prioritised · MoMo accepted

Disbursement Time

24 Hours

Directly to your MoMo · 100% digital · No cash

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Who We Are

SignEX Capital Solutions is a community-rooted Tier 4 micro-credit institution based in Nungua Estates, Accra. We exist to close the credit gap that keeps hardworking Ghanaians from growing their businesses and managing life's unexpected moments.

Our name reflects our purpose. Boafo Ye Na. We deliver credit with the speed, dignity, and transparency that every borrower deserves.

Learn About Us →

⚡

24-Hour Disbursement

Approved funds hit your MoMo within one business day.

🌿

Women-First

Over 60% of our clients are women. Their success is our mission.

🔍

Full Transparency

Every fee disclosed before disbursement. No surprises.

📱

100% Digital

MoMo disbursement. Cloud tracking. Zero cash-in-hand.

Our Products

Credit Built Around Your Life

Fast, flexible, and fair — designed around how you actually earn and spend.

Salary Earner

Salary Advance Loan

Short-term credit for formally employed workers before payday or for urgent needs.

Tenor

1–3 mo

Up to

GH₵ 5K

Disbursement

24 hrs

SME / Business

SME Working Capital

Working capital for market traders, artisans, food vendors, and small business owners.

Tenor

1–3 mo

Up to

GH₵ 5K

Disbursement

24 hrs

Emergency

Boafo Ye Na Emergency

For school fees, medical bills, and urgent household emergencies. Fast-tracked.

Tenor

1 mo

Up to

GH₵ 1K

Disbursement

Same day

Solidarity Group

Solidarity Group Loan

4–6 women guarantee each other. Lower risk, stronger community, larger loans.

Tenor

3 mo

Per member

GH₵ 1K

Group size

4–6

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Loan Calculator

See Your Repayment Before You Apply

Calculate Your Loan

Adjust the sliders to see your estimated repayment schedule. Actual terms confirmed at application.

Loan type

Loan amount — GH₵ 1,000

GH₵ 200GH₵ 5,000

Tenor — 3 months

1 month3 months

Your Estimate

Loan amountGH₵ 1,000.00

Loan typeSalary Advance

Tenor3 months

Interest charge—

Processing fee (4.5%)—

Monthly payment—

Total Repayable

—

* This is an estimate only. Actual terms are confirmed during your application. Processing fee is deducted at disbursement.

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The Process

From Application to MoMo
in 5 Simple Steps

Apply Online or In Person

Fill out our quick application form with your basic details.

Ghana Card Verification

We verify your identity against the NIA database. Takes minutes.

Income & Address Check

Payslip or MoMo history. GhanaPostGPS address confirmation.

Guarantor Confirmation

Your guarantor confirms their support. We contact them directly.

MoMo Disbursement

Funds in your Mobile Money account within 24 hours.

Start Your Application →

Client Stories

What Our Clients Say

★★★★★

I needed working capital fast for my market stall before Christmas. SignEX came through in less than 24 hours. No stress, no long forms. I restocked and made good profit.

Akosua M.

Market Trader, Nungua

★★★★★

Our solidarity group has completed two cycles now. Each time we get a bigger loan. The financial literacy training they gave us changed how I think about money completely.

Abena K.

Group Leader, Solidarity Group

★★★★★

As a teacher, I needed a salary advance for my daughter's school fees. SignEX told me exactly what I'd pay back — no hidden fees — and the money came the next day. I'll always recommend them.

Emmanuel D.

Teacher, Salary Earner

FAQ

Frequently Asked Questions

Got more questions? Call us on 0201 147 833 or email info@signexgh.com

Who qualifies for a SignEX loan?

Anyone with a valid Ghana Card who is a salary earner or micro-business owner in Greater Accra. You must have a personal guarantor and verifiable income (payslip or MoMo history).

How long does approval take?

Most applications are reviewed and approved within the same business day. Funds are disbursed to your MoMo account within 24 hours of approval.

What documents do I need?

You need: a valid Ghana Card, recent payslip or MoMo transaction history (3 months), your GhanaPostGPS digital address or utility bill, and the name and Ghana Card details of a personal guarantor.

Are there any hidden fees?

Absolutely not. Every fee — including the processing fee and total interest — is disclosed to you in writing before you agree to take the loan. You will never be surprised by a deduction you didn't know about.

What is a Solidarity Group loan?

A group of 4–6 women form a group and take individual loans that each member guarantees for the others. If one member struggles to repay, the group supports her. This reduces default risk and allows members to qualify for larger loans over time.

Can I repay early?

Yes — early repayment is always welcome and earns you priority for a larger loan in your next cycle. There are no early repayment penalties.

Fast Credit for thePeople Who BuildOur Community

Who We Are

Credit Built Around Your Life

See Your Repayment Before You Apply

From Application to MoMoin 5 Simple Steps

What Our Clients Say

Frequently Asked Questions

Fast Credit for the
People Who Build
Our Community

From Application to MoMo
in 5 Simple Steps