🇬🇭 Made in Ghana for Africa

Smart Lending &
Invoice Factoring

Get the capital you need to grow your business. Flexible loans with transparent terms and fast approvals. No hidden fees. No surprises.

₵0Setup Fee
3 minApplication
24hFast Approval

Calculate Your Loan

See your personalized payment plan instantly

₵100 ₵100,000
1 month 24 months
Installment Amount ₵0
Total Interest ₵0
Total Repayment ₵0
Number of Payments 0
Apply Now
🤝 NEW: AI Assistant

Meet Kofi — Your Personal Loan Guide

Struggling to find the right loan? Not sure how much you qualify for? Kofi, our AI assistant, can help you discover the perfect product, guide you through applications, and even check your status — all in a friendly conversation.

No login required
100% free
🤝
Kofi
Ghana Loan Assistant
ONLINE

Hello! I'm Kofi, your Ghana micro-loan assistant. 👋

I'm here to help you find the right loan product, apply, check your status, and manage repayments.

What would you like to do today?

Ghana Bank Rates View all →

Why Choose LendGhana?

Built for African businesses, by African fintech experts

Lightning Fast

Get approved in minutes, not days. Our AI-powered system processes applications instantly.

WhatsApp Native

Apply for loans, check your payment plan, and track status directly from WhatsApp.

Invoice Factoring

Unlock cash from your unpaid invoices. Get up to 80% advance within 24 hours.

Flexible Payments

Weekly, bi-weekly, or monthly payments. Choose what works for your cash flow.

Secure & Transparent

No hidden fees. Clear terms. Your data is protected with bank-grade security.

CRM & Finance

Full lead pipeline, expense tracking, MoMo reconciliation, and BoG prudential reporting built in.

AI Automation

Smart credit scoring, automated approvals, fraud detection, and dynamic interest rate pricing.

Team Management

Role-based access control, multi-team support, audit logging, and granular permission management.

Local Expertise

We understand the Ghanaian market. GPS address verification, MTN MoMo, and local compliance.

How It Works

Get funded in 3 simple steps

1

Apply

Fill out our simple application form or send a message on WhatsApp. Takes less than 3 minutes.

→
2

Get Approved

Our system reviews your application instantly. Most approvals are automatic for qualified borrowers.

→
3

Receive Funds

Money is sent directly to your Mobile Money wallet. Start growing your business today.

New

Invoice Factoring

Turn your unpaid invoices into working capital. Get up to 80% advance on your invoices within 24 hours.

  • Up to 80% advance on invoice value
  • Funds in your MoMo wallet within 24 hours
  • We handle collections — you focus on business
  • Flexible terms with no long-term commitment
Start Factoring

Quick Calculator

Invoice Amount ₵10,000
Advance (80%) ₵8,000
Fee (3%) ₵240
Net Advance ₵7,760

Ready to grow your business?

Join thousands of Ghanaian entrepreneurs who trust LendGhana for fast, fair financing.

Apply Now — It's Free Talk to Us
just now