01For businessesBusiness Loans
Support for eligible business needs, from stock and supplies to working capital and planned growth.
Learn more arrow_forwardCaddy Micro Credit
Small Loans.
Big Dreams.
Your micro-credit partner for Business, Personal and Group Loans—with the repayment structure explained before you send a request.
We help eligible individuals, traders and business owners take their next step with a clear process and responsible support.
Bank of Ghana Tier 4 Licensed
MCAG Member
Takoradi New Site
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Business LoansFrom GH₵ 2,000
person
Personal LoansFrom GH₵ 1,000
groups
Group LoansFrom GH₵ 5,000
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Clear repaymentShown before agreement
Our loan products
Support for the plans that matter to you.
Choose the product that fits your goal, then speak with Caddy about the information needed, the next step and repayment arrangements.
01For businesses
02For individualsPersonal Loans
A practical lending option for eligible personal needs with a repayment plan discussed clearly.
Learn more arrow_forward
03For shared goalsGroup Loans
Structured lending for groups seeking a clear process, mutual commitment and responsible support.
Learn more arrow_forwardKnow the structure first
Transparent lending, before the agreement.
Caddy's application journey gives customers a clear, indicative repayment view before a request is submitted. The final facility remains subject to assessment and the approved agreement.
GH₵ 1,000 · 2,000 · 5,000
Personal, Business and Group Loans respectively
2 weeks
After disbursement before instalments start
12 weekly payments
Spread after the grace period
25%
Displayed in the facility estimate
Our purpose
Support the people building their next step.
Caddy serves individuals, traders, business owners and groups who need a lending conversation that is direct, understandable and grounded in their real circumstances.
About Caddyarrow_forwardaccount_balanceLicensed and local
A clear process from enquiry to agreement.
As a Bank of Ghana Tier 4 licensed micro-credit institution, Caddy works to make the steps, obligations and repayment structure understandable before a facility is agreed.
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Find Caddy in Takoradi8 R.S. Blay Link, Takoradi New Site
Formerly Akalima
The Caddy process
From request to a clear next step.
There are no promises of automatic approval. The process is designed to help customers understand what is needed, what is estimated and what Caddy will review.
01edit_note
Choose the right loan
Select Business, Personal or Group Loan and enter an amount at or above the facility minimum.
02calculate
See the repayment structure
Before you continue, Caddy shows the 2-week grace period, flat interest, total repayment and estimated weekly payment.
03verified_user
Review with Caddy
Caddy reviews your request and discusses final facility terms before an agreement or disbursement.
Customer storiesReal Stories.
Real Stories.
Real Growth.
Discover how Ghanaian traders, artisans, and small business owners are transforming their futures with Caddy Micro Credit.
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"I needed to buy a specific engine block and gearboxes for a customer's urgent repair, but my capital was tied up. Caddy's officer came to my shop at Kokompe and assessed my business. I got the funds the next day, bought the parts, and kept a loyal customer happy."
Kwame Asare
Spare Parts Dealer, Kokompe
Turnaround
24 Hours
Business Impact
Client Retained
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"Towards the festive season, I wanted to add new prints to my shop but didn't want to drain all my savings. Caddy gave me a loan with a flexible weekly repayment plan that matched my daily sales perfectly. It didn't choke my cash flow, and my shop stayed fully stocked."
Auntie Esi
Textiles Dealer, Market Circle
Repayment
Flexible Weekly
Stock Added
Seasonal Prints
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"My son gained admission to senior high school, and the prospectus items and fees were due immediately. As a teacher, waiting for my next salary wasn't an option. Caddy processed a personal loan for me without hassle. The monthly deductions from my salary are very manageable."
Emmanuel Arthur
Basic School Teacher, Sekondi
Loan Purpose
Education Fees
Repayment
Manageable Monthly
Before you apply
Prepare for a more useful conversation.
These are practical steps to take before submitting a loan request to Caddy.
- 01
Choose the facility that matches your need.
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Know the minimum request amount before you begin.
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Prepare your contact details and identification.
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Review the indicative repayment calculation before sending the request.
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Our ecosystem
Regulated, connected and ready to serve.
Caddy works with established financial, regulatory and insurance institutions to support transparent lending, verified underwriting and secure disbursements across Ghana.
Regulator
Bank of Ghana
Regulated and licensed Tier 4 micro-credit institution.
Membership
Micro Credit Association of Ghana
Official member institution of MCAG.
Banking partner
GTBank
Institutional banking and clearing partner.
Disbursement channel
MTN MoMo
Instant mobile money disbursement and collections.
Disbursement channel
Telecel Cash
Mobile wallet disbursement and repayment channel.
Insurance partner
GLICO Insurance
Credit protection and insurance underwriting for eligible facilities.
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Protected and verified ecosystem: credit facilities and customer disbursements are supported by licensed financial institutions, mobile money networks and insurance underwriting under Bank of Ghana regulatory standards.
Start a conversation
See your repayment structure before you send a request.
Choose a facility, enter a request amount and view the indicative principal, flat interest, total repayment and weekly amount.