WORLDWIDE
MERCHANTS
50K+
Active MoMo merchants across all regions in Ghana
MTN MoMo Merchant Financing
Financing that dey your Side
MiSika gives eligible MTN MoMo merchants access to financing for restocking, cash flow, and growth.
Trusted by
MiSika is here to give eligible MoMo merchants access to financial support when opportunities come up, expenses need attention, or the business simply needs a smaaaall push.
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Trusted by thousands of merchants
across Accra, Kumasi, and beyond
01 / ADAPTABLE
Repayment structured perfectly around your daily MTN MoMo transaction volumes.
02 / FRICTIONLESS
No long banking forms or complex physical asset documentation. Your phone is your passport.
SEC02 / Performance
Empowering commerce across Ghana
Support Designed With Your Business in Mind, Every Step of the Way
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Merchants served — awaiting a confirmed figure
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When your business needs support MiSika helps you stay ready.
SEC02 / Performance
No forms, no branch visit, no collateral paperwork to chase. The whole request happens on USSD.
Instant Loan Alert
Get instant credit decisions powered by real-time data from your MoMo activity.
Loan Approved Successfully
Loan ApprovedJust now · MiSika Credit
Loan ApprovedJust now · MiSika CreditLoan ApprovedJust now · MiSika CreditBORROW UP TO
GHS 50,000
Instant approval
Approved in Minutes
NO PAPERWORK. NO COLLATERAL.
Your loan is backed by Adehyeman Savings & Loans, a licensed and regulated financial institution.
What you can use it for
Keep Your Business Moving
Forward Strong
Restocking
Buy inventory in bigger volumes, take supplier discounts and never turn a customer away because an item is finished.
Cover day-to-day business expenses
Bridge the gap between paying suppliers and getting paid, so a slow week never stops your business.
Keep your business moving when unexpected costs arise
Cover rent, transport, utilities, staff and the running costs that keep the doors open.
Take advantage of new business opportunities
Move on a bulk deal, a new product line or a busy season while the opportunity is still there.
Merchant Stories
Hear from MiSika Merchants
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Quick USSD Journey
How to Get MiSika in 5 Simple Steps
Accessing capital is as easy as dialling on your phone. No paperwork, no physical bank queues.
Dial *171#
To initiate the process, please dial the shortcode using the MTN MoMo merchant line that you have registered with us. This will allow you to access the full range of services available to your merchant account.
Questions? We Get You.
MiSika is a loan solution designed to give eligible MoMo merchants access to financial support for their business needs.
MiSika is available to eligible MoMo merchants.
The amount available to you will depend on your eligibility.
Stock, supplies, business expenses or that opportunity you don't want to let pass. Use MiSika for what helps keep your business moving.
Simply follow the USSD prompts or check in the MoMo app to check your eligibility.