🇬🇭 Bank of Ghana Licensed NBFI

Finance for every
Ghanaian ambition.

Vehicle leasing, SME credit, mortgages, equipment finance — fast, flexible, and built for how Ghana actually works.

Live Applications
Kwame A. — Vehicle Lease
GHS 48,000
Approved
Abena M. — SME Loan
GHS 120,000
Processing
Kofi B. — Mortgage
GHS 350,000
Reviewing
GHS 40B+Credit Gap
2.1MSMEs Underserved
Est. 2012Licensed NBFI
Vehicle Finance

Own your wheels.
Drive on day one.

Lease-to-own financing for personal and commercial vehicles. Flexible tenors, no hidden charges, quick approval.

GHS 800From / Month
48 MoMax Tenor
48 HrsDecision
Finance professionals reviewing performance charts in a modern office
SME Finance

Credit for Ghana's
2.1 million SMEs.

Working capital, invoice discounting, agri-finance, and solar leasing — designed for the informal economy.

📄
Invoice Discounting
Release cash locked in unpaid invoices — same week.
🚛
Fleet Finance
Grow your fleet without straining working capital.
🌿
Agri-Finance
Seasonal credit aligned to harvest cycles.
☀️
Solar Leasing
Keep the lights on — pay from energy savings.
Our Products
Everything you need to grow
Apply Now →
💼
SME Working Capital
Short-to-medium term financing for operational expenses, stock, and growth opportunities.
AmountGHS 5K – 500K
Tenor3 – 24 months
RateFrom 3.2%/month
Apply Now
🚗
Vehicle Lease-to-Own
Personal and commercial vehicles with flexible monthly payments and no large upfront deposit required.
AmountGHS 15K – 300K
Tenor12 – 48 months
Decision48 hours
Apply Now
🏠
Mortgage Finance
Home purchase and construction financing. Both salaried and self-employed applicants welcome.
AmountUp to GHS 2M
TenorUp to 15 years
Equity20% minimum
Apply Now
⚙️
Equipment Leasing
Industrial machinery, medical equipment, generators, and agri-equipment on competitive lease terms.
AmountGHS 20K – 1M
Tenor12 – 60 months
TypeFinance / Operating
Apply Now
📱
TG Finance+ Mobile
Digital micro-credit for informal traders via MoMo. No payslip needed. Apply in under 5 minutes.
AmountGHS 500 – 5,000
Approval< 30 minutes
CollateralNone required
Learn More
📈
Fixed Investment Notes
Competitive fixed returns for individual and institutional investors. Quarterly distributions, capital protected.
MinimumGHS 10,000
ReturnsUp to 28% p.a.
Term6 – 24 months
Invest Now
Loan Calculator
Estimate your repayments

Use our simple calculator to get an instant estimate of your monthly obligation. Actual rates depend on your profile and product selected.

No obligation estimate
All products covered
Apply directly after
Loan Amount GHS 50,000
Repayment Period 24 months
Monthly Payment
at 3.2% per month
GHS 3,200
Apply for This Loan →
How It Works
Three steps to financing

Our streamlined process means less paperwork and faster decisions — designed around your reality, not bureaucratic templates.

1
Apply Online or In-Branch
Complete your application in minutes through our website, the TG Finance+ app, or visit our Abelemkpe branch. No thick files needed to get started.
2
Credit Review & Offer
Our team reviews your profile, runs a CRB check, and structures a tailored financing offer. Most decisions come within 48 hours for personal products.
3
Disbursement & Support
Funds are disbursed directly to your account or supplier. Your Relationship Officer stays with you throughout the tenor for any support needed.
Required Documents by Product
Business registration certificate · Ghana Card or Passport · 6 months bank statements · Business financial statements · Completed application form · Utility bill (proof of address)
Valid Ghana Card or Passport · Driver's license (if personal use) · 3 months payslips or business statement · Proforma invoice from dealership · Completed application form
Ghana Card · 12 months bank statements · Title deed / indenture of property · Valuation report from approved valuator · Income evidence: payslips, audited accounts, or tax returns · Completed application form
Ghana Card (for identity verification in-app) · Registered MoMo wallet · 3-month MoMo transaction history · Selfie verification via app · No collateral or formal payslip required
Business registration · Ghana Card · Equipment supplier proforma invoice · 6 months bank or business statements · Board resolution (for companies) · Completed application form
Who We Serve
Finance for every ambition

From informal traders to growing enterprises and salaried professionals — TG Finance structures products around your reality, not just your payslip.

👨‍💼
Salaried Professionals
Public and private sector employees seeking vehicle finance, mortgage, or personal credit with structured repayments tied to salary cycle.
Vehicle LeaseMortgageConsumer Credit
🏪
Micro & Small Businesses
Traders, artisans, and shop owners in both formal and informal sectors who need quick access to working capital without complex documentation.
Working CapitalTG Finance+Equipment
🏢
Growing Enterprises
Medium-scale businesses expanding operations, managing seasonal cash flows, or building out fleet and equipment capacity.
Fleet FinanceInvoice DiscountEquipment
Small business owner reviewing payment records at a shop counter
Advisor discussing loan options with a customer
Team collaborating around financial planning documents
Sector Focus
🚌
Transport & Logistics
Fleet leasing and commercial vehicle finance for taxis, trotros, freight operators, and delivery businesses.
🌾
Agriculture
Seasonal working capital, agri-equipment leasing, and cold storage financing for smallholder and commercial farmers.
🏥
Healthcare
Medical equipment leasing and clinic expansion finance for private healthcare providers across Ghana.
📚
Education
School bus leasing, infrastructure financing, and working capital for private schools and training institutions.
Digital Inclusion
Introducing TG Finance+

A mobile-first digital finance platform for Ghana's informal economy. No payslips. No branch visit. Just MoMo verification and a Ghana Card — and you're in.

Instant Approval
AI-powered credit scoring gives decisions in under 30 minutes, 24/7.
📲
MoMo Integration
Disburse and repay entirely through mobile money — no bank account needed.
🔒
Bank-Grade Security
256-bit encryption, biometric login, and BoG-compliant data handling.
📊
Credit Building
Regular repayments build your CRB profile, unlocking larger formal loans over time.
TG Finance+
Good morning, Ama 👋
Available Credit
GHS 3,500
📈Next RepaymentGHS 1,167/mo
📅Tenor Remaining3 months
Credit ScoreGood
Repayment Progress
✓ APPROVED
ProductMin AmountMax AmountApproval TimeCollateral
TG Finance+ NanoGHS 500GHS 1,000< 5 minutesNone
TG Finance+ MicroGHS 1,000GHS 5,000< 30 minutesNone
TG Finance+ BusinessGHS 5,000GHS 20,000< 4 hoursMinimal
Our Story
Building Ghana's financial future

Founded in 2012 and licensed by the Bank of Ghana, TG Finance Ltd has spent over a decade building financial bridges for Ghanaians who are too often left behind by traditional banks — the trader, the farmer, the professional, the builder.

As part of TG Holdings — a diversified Ghanaian group spanning hospitality, real estate, media, and technology — we bring institutional strength and entrepreneurial agility to every client relationship.

Our mission is simple: deploy capital where it creates the greatest impact, with the governance and compliance standards that protect every stakeholder.

2012Established
GHS 40MYr 3 Target
BoGLicensed NBFI
5+Product Lines
Our Values
Finance team reviewing lending and investment reports together
🌍
Pan-African Vision
Built in Ghana, expanding across West Africa — our growth tracks the continent's ambition.
🤝
Client First
Every product decision starts with one question: does this actually help the client win?
🏛️
Integrity & Governance
BoG-licensed and operating under full regulatory compliance — no shortcuts, ever.
💡
Innovation
TG Finance+ is just the beginning — we are building the digital infrastructure for Ghana's credit future.
Compliance & Licensing
Regulated. Accountable. Trustworthy.
🏦
BoG Licensed
Non-Bank Financial Institution
🔍
AML/CFT
Anti-Money Laundering compliant
🛡️
DPC
Data Protection Commission registered
📋
CRB
Credit Bureau reporting
🔒
Cyber Security
Bank-grade encryption
⚖️
Consumer Rights
Full disclosure standards
Investor Relations
Invest in Ghana's credit growth

TG Finance offers structured investment instruments for individual and institutional investors seeking exposure to Ghana's fast-growing retail and SME credit market.

GHS 5MYear 1 Portfolio Target
2,000+Clients Year 1
Up to 28%p.a. Investor Returns
GHS 40MYear 3 Portfolio Target
🗒️
Fixed Notes
6 to 24-month secured notes with quarterly interest payments and capital protection.
Up to 22%
p.a. return
🏦
Institutional Bonds
Structured debt instruments for pension funds, insurance companies, and development finance institutions.
Negotiated
rate per facility
💰
Co-Lending
Pool capital alongside TG Finance on a portfolio basis with shared risk and returns proportional to contribution.
Up to 28%
p.a. return
📊
Equity Participation
Strategic equity positions for investors aligned with our long-term pan-African expansion vision.
Equity
terms negotiated
Risk Disclosure
All investments are subject to borrower default risk. TG Finance mitigates this through rigorous credit scoring, CRB checks, collateral requirements, and portfolio diversification across sectors and geographies.
Fixed investment notes are not freely tradeable before maturity. Early redemption may be subject to penalties. Investors should only commit capital they can hold for the agreed term.
Changes in Bank of Ghana policy, lending rate regulations, or applicable tax legislation may affect returns. We maintain active regulatory engagement and compliance monitoring.
All instruments are Ghana Cedi denominated. USD or EUR investors bear exchange rate risk. We do not offer currency hedging at this stage.
Although we diversify across sectors, the portfolio remains concentrated in Ghana at this stage. Pan-African expansion from Year 2 will begin to address geographic concentration.
Request our Investor Deck

Full financials, portfolio strategy, governance structure, and 3-year growth projections.

Request Investor Deck →
Resources
Learn, plan, grow

Guides, tools, and news to help you make better financial decisions.

Borrowing
How to Qualify for an SME Loan in Ghana
Learn what lenders look for, how to prepare your documents, and how to build a strong credit application that gets approved faster.
Read Guide →
Leasing
Vehicle Lease vs. Hire Purchase: Which Is Right for You?
A practical breakdown of the key differences, tax implications, and which option suits salaried employees versus business owners.
Read Guide →
Mortgage
First-Time Homebuyer Guide — Ghana Edition
From choosing a property to getting financing approved: the complete step-by-step guide for first-time buyers navigating Ghana's property market.
Read Guide →
Digital
Building Your Credit Score with TG Finance+
How consistent repayment on micro-loans builds your CRB profile and unlocks access to larger formal financing over time.
Read Guide →
Investing
Understanding Fixed Investment Notes in Ghana
How fixed-income products work in the Ghanaian context, what to ask before investing, and how to compare risk and return.
Read Guide →
Business
Managing Cash Flow as an SME in Ghana
Practical strategies for closing the cash flow gap, including when to use invoice discounting versus a revolving credit facility.
Read Guide →
Personal products like vehicle leasing and consumer credit typically receive decisions within 48 hours. TG Finance+ mobile approvals take under 30 minutes. Mortgage and equipment leasing may take 5–10 business days due to property valuation requirements.
Not always. TG Finance+ mobile products require no collateral. Vehicle lease-to-own uses the vehicle itself as security. Mortgages are secured by the property. SME loans above GHS 50,000 typically require collateral or a guarantor.
Yes. TG Finance Ltd is a fully licensed Non-Bank Financial Institution (NBFI) regulated by the Bank of Ghana. We are also registered with the Data Protection Commission and comply with all AML/CFT requirements.
Absolutely. Our TG Finance+ product line is specifically designed for informal sector workers — petty traders, market vendors, artisans — who lack formal payslips. Qualification is based on MoMo history and Ghana Card verification.
Rates depend on the product, amount, and your credit profile. SME and personal loans start from 3.2% per month. Vehicle leasing rates are competitive with market. All rates are disclosed fully in your offer letter before you sign anything.
Repayments can be made by standing order from your bank account, MoMo direct debit (for TG Finance+ products), cheque, or in-branch. We send reminders 5 days and 1 day before each due date.
Contact your Relationship Officer immediately. We offer restructuring options for clients facing genuine difficulty. Missed payments are reported to credit bureaus after 30 days and attract a penalty charge. Early communication always produces better outcomes.
Yes. All data is stored with 256-bit encryption on BoG-compliant infrastructure. We are registered with Ghana's Data Protection Commission and do not sell or share personal data with third parties without your consent.
📊
March 2025
TG Finance Launches Digital Micro-Credit Platform for Informal Sector
🏦
January 2025
Bank of Ghana Releases New NBFI Lending Guidelines — How TG Finance Complies
🇬🇭
November 2024
Ghana's SME Credit Gap Reaches GHS 40B — TG Finance's Response
🧮
Loan Calculator
Estimate monthly repayments on any product
📋
Document Checklist
Know exactly what to bring before applying
📈
ROI Calculator
Calculate returns on fixed investment notes
🔍
Eligibility Checker
Quick check before formal application
Client Stories
Trusted by Ghanaians
★★★★★
"I needed working capital to stock up before the Christmas season and TG Finance came through in 3 days. No runaround, no hidden charges. Just the funds I needed to grow my business."
Kwame Asante
Retail Trader, Kumasi
★★★★★
"The vehicle lease process was seamless. I'm driving my car now and paying from what I earn. The relationship officer stayed in touch throughout — that level of service is rare in Ghana."
Abena Mensah
Nurse, Accra
★★★★★
"As an investor, I've placed two tranches with TG Finance. Returns have been consistent, reporting is transparent, and the team is professional. I'll be back for a third."
Emmanuel Boateng
Private Investor, Tema
Contact Us
Start your application today
Application / Enquiry Form
Application Received!
Thank you for reaching out to TG Finance. A Relationship Officer will contact you within 24 hours to discuss next steps.
Head Office
10 Lincoln Street
Abelemkpe, Accra
Ghana
Opening Hours
Monday – Friday
8:00 AM – 5:00 PM
Saturday
9:00 AM – 2:00 PM
Sunday
Closed
📍
10 Lincoln Street, Abelemkpe, Accra
Open in Google Maps →
Ready to grow with TG Finance?

Whether you need credit, want to invest, or are exploring options — our team is ready to build the right solution with you.

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