Available Startup Funding

Money is a big worry when you’re starting a small business. Unlike most startup platforms scattered all over the place who pass you off to an external lender, GHStartups.com directly provides you with the funding you need for your Ghana-based startup or new business.

Very Important

• In order to be eligible for any of our Startup Financing options, your business must be a Ghana registered company and/or registered in Ghana for tax purposes. Businesses that primarily export goods or services overseas may still be eligible to apply provided the operational side of the business and the majority of revenue resides in Ghana.

• You must be living in Ghana at the time of your application and the duration of your proposed loan term.

• You must be free to work in Ghana on a full-time basis with no restrictions on the type of work or self-employment. If you are in Ghana on a visa and your application is successful, you will need to repay your loan and all associated interest at least six months prior to your visa expiry date.

• You must have a bank account in the name of your business

• You must have a website for your business and business email for your business


Our business financing comes in all shapes and sizes. The option for your business is the one that best satisfies your short-term needs, while helping you reach your long-term goals. With £10bn firmly committed and secured via our global partners to be disbursed over a decade to over 10,000 solid businesses (including potential 'unicorns'), we are offering more that 14 direct funding options for startups and new businesses in Ghana, including:

1. Classic Startup Loans
Small businesses play a vital role in the economy, but they often struggle to get business loans from banks. To help encourage the growth of small businesses, GHStartups and its partners provide loans to startups and small businesses. There are several different types of SME loans. Apply Now.


2. Business Loans for Bad Credit
No credit? No problem. While many people believe that you need flawless credit to take out a business loan, there are many financing options available to businesses with lesser credit profiles. Apply Now.


3. Short-Term Business Loans
Many businesses need a little extra money to handle a temporary, short-term need. In these types of situations, business owners often don’t want to be paying off a loan for years after the original need for the loan has been resolved. Short-term loans offer business owners a way to get the funding they need without having to deal with lengthy loan applications and long repayment terms. Apply Now.


4. Business Line of Credit
No matter how careful you are about managing your company’s finances, unexpected expenses can happen to anyone. To make sure they’re ready to handle any unpredictable expenses that might come up, many business owners like to have a business line of credit available to them. Unlike a loan, which can only be borrowed against once, a line of credit can be borrowed against multiple times and you only pay interest on it when you use it. Apply Now.


5. Unsecured Business Loans
Many types of business loans require a valuable asset be used as collateral to secure the loan, but many businesses don’t have the types of assets lenders look for and the business owner might not be comfortable with using personal assets like their home or vehicle. Unsecured loans are a type of business loan that does not require the borrower to put up an asset to be used as collateral . Apply Now.


6. Microloans
Not all business expenses require a big loan and businesses seeking smaller loans are often turned down by banks because they aren’t seeking enough money. To help fill the gap, we've started offering microloans, which are loans in amounts that are much smaller than traditional business loans and come with shorter repayment terms. Microloans can be a good option for newer businesses or businesses that either have low credit scores or have never received a loan from a bank before. Apply Now.


7. Equipment Loans
All types of businesses need equipment, whether it’s desks and computers or specialized tools and machinery. Although many types of general business loans can be used for equipment, some loans are specifically intended to be used for purchasing equipment. Since equipment loans can be secured with the equipment itself, borrowers do not need to provide any extra collateral. Apply Now.


8. Merchant Cash Advance
If a business that typically has a high volume of credit card transactions needs some extra funding fast, one way to get it is through a merchant cash advance. Technically, a merchant cash advance is not a loan, it’s a purchase of future receivables from your credit card revenue. Since this is a transaction rather than a loan, they are an option for businesses that have a hard time getting traditional business loans because of their business credit score. . Apply Now.


9. Real Estate Financing
The right location can make a big difference in the success of your business, but most businesses aren’t able to pay for a real estate purchase all at once. Instead of taking out a mortgage the way a person would to buy a house, businesses have many different real estate financing options available to them, such as term loans, commercial real estate loans, and SME loans. Apply Now.


10. Inventory Financing
Do you have a warehouse or storeroom full of inventory? Inventory financing is an option that allows you to use your unsold inventory to get the capital you need to help your business handle temporary, short-term cash flow shortages. . Apply Now.



11. Invoice Factoring
When you have to wait for customers to pay their invoices, you have less working capital available to cover your day-to-day business expenses. While your customers may appreciate not having to pay immediately, it can cause problems for you if you need that money to take care of your business. Invoice factoring allows business owners to turn their outstanding invoices into money they can use right away by selling those invoices to a third party, known as a factor, at a discounted rate. The factoring company then collects the full amounts of the invoices from your customers.

Invoice financing is another option similar to invoice factoring. The difference between the two is that while invoice factoring involves selling your outstanding invoices, invoice financing is a loan based on the value of your invoices. Apply Now.


12. Franchise Loans
Just like starting any other kind of business, becoming a franchisee takes money. You’ll need to pay for things like equipment, a location, marketing expenses, and inventory, not to mention your franchise fees. A franchise loan can help you get the money you’ll need to get started. . Apply Now.


13. Asset Based Lending
Have collateral to offer? Asset-based loans are secured by your company’s assets and typically function as a revolving line of credit. Apply Now.


14. Business Loans for Women
Did you know that there are grants specifically for female entrepreneurs? Many organizations and lenders provide special grants and more competitive rates for women-owned businesses. Apply Now.


15. Equity Financing
One way to receive financing for your business is by selling shares of it to investors. This is known as equity financing. Equity financing can come either from an individual investor or an investment firm. When you choose equity financing, the people or firms that invest in your company become part owners. . Apply Now.