Easy finance for your business

Get upfront cash advances of up to GHS10,000 against your invoices or future turnover from our Financial Services ThriveX Funds in Ghana.

No collateral, no paperwork, fast decision!

Apply as a Built user

Apply as a non-Built user

No Collateral Requests

No collateral? No worries. Our decision is based on your invoices and financial performance in your Built account.

Flexible

Get up to GHS10,000 upfront advance, and you only pay when you get paid. No hidden cost or charges

Fast

Apply in minutes and receive funding in hours so far as you are eligible. No paperwork, no hidden fees and no branch visits.

How it works

We take the work out of getting to fast, flexible financial services for you to grow your business in Ghana.

Easy application

Check your eligibility and apply directly within minutes.

Pick your finance option

Choose advances against future turnover or existing invoices and consent to sharing data with us.

Pay down as you earn

Get funding fast within 24hrs. The repayment is flexible. You will only pay when you get paid.

For users of Built, the following eligibility is required:

Used the application for 3 months continuously
Have revenue of at least GHS3,000 monthly before the effects of covid19 set in
Cash advances can be taken against future turnover or invoices within application

For non-users of Built, the following eligibility is required:

Been a registered company for at least a year.
Have revenue of at least GHS5,000 monthly before the effects of covid19 set in
Being an essential services provider a plus
Cash advance can be taken against invoices or orders received from customers
Last quarter's financial statements or at least 3 months financial statements

Frequently asked questions about our Financial Services in Ghana

What's the financial services about?

Our financial services are to help entrepreneurs access cash advances from GHS1,000 to GHS10,000, using their historical data in our accounting system and without collateral. The term of the business loan is between 3 and 24 months, with cash flow friendly repayments that are either daily or weekly.

How much can I borrow?

We may be able to provide you with a business loan of up to GHS10,000. The total amount of your loan will depend on the historical data in your account.

How fast will I get a response?

You can receive a response in as fast as one business day, if you apply during standard business hours and provide access to your financial data. It’s much faster than your bank.

How fast will I get the money?

If you apply before 4pm on a business day, and a decision is made, you can have money in your account that same business day. Otherwise, you will receive funding the next business day.

What is the interest rate?

We charge a flat fee based on your application, and it is collected on a fixed or flexible structure as a % of your daily, weekly or monthly turnover.

What are the repayment options?

We offer daily or weekly repayments that are automatically deducted from your nominated business account, which ensures repayments are seamless.

What can the loans be used for?

Need finance to implement your business plan? Our fast and flexible financial services in Ghana offer loan that can be used for any worthwhile purpose including renovations, marketing, to purchase inventory, new equipment, general working capital and any other business requirement.

Is there any penalty for early repayment?

There are no fees for early repayment and no balloon payment at the end of your business loan. Once you make the final payment, your balance will be GHS0.00.

Still have unanswered questions? Get in touch