This program is designed to promote the development of small and medium-sized enterprises (SME’s) in Ghana. It provides loans and grants to SMEs with high growth potential, along with technical training in financial management, taxation, and business development. 

• SMEs must have majority Ghanaian shareholding (51% or more) 
• SMEs must be considered as an SME as per the legal definition 
• SMEs must be registered under Ghanaian law as a limited liability company, a partnership, or sole trader 
• SMEs must meet the eligibility criteria for the product they apply to 
• SMEs must comply with the Program monitoring requirements 

• The loan can range from 150,000 GHS to 2 million GHS. 
• They will provide a loan with a 2-year maturity, at a 10% rate, with a grace period of 6 months. 
• The loans will be delivered by GEA after the SME has received technical training. 
• They aim to cover specific and well identified capital expenditure or operating expenditure 

Additional eligibility criteria: the loan is dedicated to Small & Medium enterprises, employing between 6 and 100 persons, with a turnover from GHS 150,000 to GHS 18M.