At TreamGold, we are poised to Grow with You!
Company Profile
TreamGold Micro-Credit is a registered non-deposit taking financial institution, duly licensed by the Bank of Ghana and a proud member of the Micro-Credit Association of Ghana. Since our incorporation and commencement of operations in 2017, we have been dedicated to providing financial solutions tailored to our clients’ unique needs, while delivering a quality customer experience.
Our goal is to empower individuals and businesses by providing accessible and flexible financial products that foster growth and stability. We are committed to maintaining the highest standards of integrity, professionalism, and customer satisfaction in all that we do.
OUR MISSION
To be the preferred Micro-Credit Institution focused on adding value to the business of small and medium-sized enterprises in our community.
OUR VISION
To deliver quality, sustainable and tailor-made financial services to small and medium-sized enterprises, thereby empowering them to impact socio-economic development in our community.
Our Core Values
The Foundation of Everything We Do
Timeliness
We consistently meet deadlines and deliver promptly.
Reliability
We can be counted on to follow through and fulfill our commitments.
Excellence
We are dedicated to achieving the highest standards in everything we do.
Attentiveness
We stay engaged and invested in understanding our clients’ businesses.
Modesty
We simplify our approach and ensure consistency, so clients clearly understand and appreciate us.
Frequently Asked Questions (FAQs)
Find quick answers to the most common questions about our services and processes.
How can I apply for a loan or contact TreamGold Micro-Credit?
You can apply by visiting our office or contacting us via phone or email. Our team is ready to guide you through every step of your financial journey.
How long does it take to access a loan facility?
The time required to access a loan depends on the type of facility and the documentation involved. Generally, it can take between two to fourteen working days, depending on how quickly the requirements are fulfilled.
Does TreamGold Micro-Credit support start-up businesses?
TreamGold Micro-Credit does not fund start-up businesses. We prefer to support businesses that have been operational for at least 6 to 12 months. However, if a client with an existing and viable business seeks funding for a new venture, we may consider the application based on the strength and cash flow of the existing business.
Is collateral required for all loan facilities?
Collateral requirements depend on the loan amount and type. Acceptable collateral may include stocks, household chattels, vehicles or landed property. However, every loan requires at least one guarantor with the financial capacity to repay the loan in case of default.
How simple is the loan application process?
Our loan process is clear and easy to follow. We require only minimal documentation, tailored to the nature of your business and the specific loan product you’re applying for. You will receive guidance and support throughout the application process to ensure a smooth experience.
Do I have to save with TreamGold Micro-Credit before I can access a loan?
You do not need to save with us before applying for a loan. Loan approvals are based on eligibility criteria, documentation, and the strength of your income or business; not on prior savings with the institution.
What happens if I default on a loan repayment?
If a client defaults on a loan, we will initiate a recovery process that may include reaching out to the guarantor, using pledged collateral, or pursuing legal action if necessary. We strongly encourage clients to communicate early if they anticipate challenges in repayment so that we can explore possible solutions.
Can I pay off my loan earlier than scheduled?
Yes, early repayment is allowed and even encouraged. You may settle your loan before the agreed term without penalties. Early repayment reduces your interest burden and improves your borrowing profile with us.
How can I track my loan balance or repayment schedule?
Clients can receive loan statements and repayment schedules upon request. You can also visit our office or contact our customer service team to get real-time updates on your loan status and balance.
Where can I find information about available job vacancies at TreamGold Micro-Credit?
All job vacancies are posted on our official website and shared through our social media platforms. We are committed to fair and transparent recruitment and encourage interested candidates to check these platforms regularly for updates.