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Our Clients

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Our Clients

What It Takes To Be A Citizen Capital Client.

A fully completed application form with all details intact and requirements met from anyone that has reached the age of majority and he/she is a Ghanaian Citizen or permanent resident may apply. To be approved for the loan, all applicants need a good credit history and current income sufficient to repay the debt.

Thus we will need to see a reasonably strong credit history from your previous borrowers, last 3 months bank statements and payroll slips, introductory letter and a copy of your appointment letter from you employers.


Message from Lead Director

Dear Valued Customer,
Welcome to Citizens Capital!
We understand that financing can be critical to the success of your business. So we offer a suite of business lending solutions that you need to grow and thrive at competitive rates that can be customized to meet your needs.
At Citizens, we are committed to positive impact and delivering financial literacy in the communities in which we live and work. Every year, Citizens Capital creates an exciting platform for its loyal and potential customers with an open furor to discuss ways of providing services to better meet their demands.

As an establishment we have designed and structured what we called, Citizens Helping Citizens to effectively manage money and businesses. This is a yearly program dedicated to giving our fellow citizens the confidence and tools they need to budget, save, and invest to be overall fiscally healthy. In March this year, Citizens Capital in partnership with Indiana University-Kelley School of Business MBA Students from United States of America brought Financial Literacy education into our communities.

We also, understand that a good lender is at the heart of a community, and that investing in our communities enriches us all. That’s why we partner with Opinion Leaders, Queen Mothers of the Market Centers, Associations Heads or Church Elders to build vital connections and help communities prosper.
Within a period of 2 years of operations, we have grown to become one of the resilient money lenders in terms of loans, recovery and technology with two branches in Greater-Accra. We have created jobs for 10 very qualified and dedicated staff members. We could not have achieved this feat without our loyal customers and reliable staff. We therefore deem it appropriate to reward them in our small way by issuing sales aprons for their day-to-day activities and motivate the human capital as well.

Our leadership team of seasoned industry professionals is supported by a highly motivated, diverse set of supervisors and employees committed to delivering a strong customer value proposition. Our highly experienced and talented management team with more than 8years of MFI experience provides strong leadership to deliver on our overall business objectives.

Walk into any of our branches in Greater-Accra and experience our unique lending and excellent customer service where clients choose first, experience the most and grow with us. You can call us on our contact phone numbers with your questions and suggestions or follow us on, instagram@citizenscapitalgh and if you tweet, do follow us @citizenscapitalgh.


Success stories:
If you are looking to grow your business, look to Citizens Capital.
When S. Mensah needed extra cash to grow his business, Citizens Capital was there. As a small business owner, the proper loan can be all you need not to only survive, but to thrive. Watch this video to discover how he used an Individual Loan to bring his company to new heights.

View Success Stories

What We Do

We provide credit finance with speed, convenience and accessibility to benefit SMEs with a focus on women business owners.