Loans

Tailored Funding for Entrepreneurs & SMEs

Access flexible capital for your business needs—whether launching a startup, scaling operations, or entering new markets.

Secure funding for personal projects, education, or emergencies with competitive rates and transparent terms.

Eligibility:
✅ Sole traders, partnerships, or SMEs registered in Ghana/Nigeria.
✅ Must hold a current Water Wine Co-op business account.
✅ Funds must be used for business purposes (e.g., equipment, inventory, expansion).
Loan Types:
- Variable Rate Loans: Flexible terms for loans under $100,000.
- Fixed Rate Loans: Stable repayments for loans over $100,000 (priority for sustainable ventures).
Required Documents:
- Completed application form (CAPITAL LETTERS).
- Latest annual accounts or financial projections (for startups).
- Valid business registration and tax clearance.

Eligibility:
✅ Ghanaian/Nigerian residents aged 18+.
✅ Salaried workers (permanent or contract with ≥6 months remaining).
✅ Monthly salary paid into a Water Wine Co-op account.
Loan Features:
- No Collateral: Approval based on income and credit history.
- Flexible Repayment: Terms from 6–36 months.
- Fast Processing: Decisions within 5 business days.
Required Documents:
- Completed application form.
- Recent pay slips (last 3 months).
- Employer letter of undertaking (template provided).
- Valid national ID (Ghana Card or Nigeria ECOWAS ID).

Submission Instructions:

Complete the form and attach all documents.
Email to:
- Ghana Residents: ghanaloans@waterwinegroup.com
- Nigeria Residents: nigerialoans@waterwinegroup.com

Need Help?
Contact your country coordinator: