BANKING
PENSIONS
INSURANCE
INVESTMENTS

The BEIGE Bank (TBB)

Personal Banking

In life, your financial needs and priorities may change. That is why we have created products and services to support you at every stage. Select a banking product or service that suits your needs and speak to one of our dedicated Business Advisors to serve you.

Description
It is a special savings account geared towards encouraging individuals and groups to set aside money gradually and for a much longer term.

This is a hybrid savings account. The account is tailored for clients who wish to have a savings account and also have a cheque book for their transactions.

Unique features:
– No account maintenance fees
– A personalized cheque book is given
– Monthly Statements are provided
– A minimum amount of Twenty cedis (GHc 20) is required to open an account

We also offer;
-SMS alert services
-Field cash collection services

Basic Requirements;

  • Valid National ID Card
  • Proof of Residential Address e.g. tenancy agreement/utility bills, resident permit
  • 2 passport pictures
Sign Up Now
Description
It is a regular savings account geared towards encouraging individuals and groups to set aside money gradually to meet future and unforeseeable needs.

It is a high-yielding Savings Account to encourage individuals and groups to save gradually towards a much longer term to meet future and unforeseeable needs.

Unique features;
– It has no account maintenance fees.
– Clients get monthly Statements.
– A minimum amount of Five Cedis (GHS5) is required to open an account.

We also offer;
-SMS alert services
-Field cash collection services

Basic Requirements

• Valid National ID Card
• Proof of Residential Address… e.g. tenancy agreement/utility bills, resident permit
• 2 passport pictures

Sign Up Now
Description
A Current Account product designed to enable individuals perform business using cheques. With this product a customer does not have to carry huge sums of cash everywhere to transact business.

This is a Current Account designed to enable individuals perform banking transactions using cheques and also earn interest on the account.

Unique Features;
– Interest is paid on balances of Two Hundred Cedis (GHS200) and above
– Clients receive monthly Statement
– Free advisory services

We also offer;
-SMS alert services
-Field cash collection services

Basic Requirements

• Valid National ID Card
• Proof of Residential Address… e.g. tenancy agreement/utility bills, resident permit
• 2 passport pictures

Sign Up Now
Description
We encourage savings, with as little as you can. That is why the Pesewa Savings Account comes in just right for everyone.

This is a regular ‘Susu’ account specially designed for individuals; i.e. Petty Traders, Shop Owners, Micro-enterprises and those in the transport business who get regular inflows.

Unique Features;

– No account maintenance fees are charged
– With minimal withdrawals
– Clients can earn high interest on their account

We also offer;
-SMS alert services
-Field cash collection services

Basic Requirements

• Valid National ID Card
• Proof of Residential Address… e.g. tenancy agreement/utility bills, resident permit.
• 2 passport pictures

Sign Up Now
Description

It is wise to invest for your children. Put some money aside to meet the dire needs of your children in future.

This is a savings product designed to encourage parents and guardians to set aside money gradually towards meeting the future needs of their ward(s). The account will be automatically transferred to the child on attaining the age of eighteen (18). The account attracts a high interest rate per annum with no account maintenance fees.
Withdrawals are also allowed. A minimum amount of GHc5 is required to open this
account.

Basic Requirements
• Valid National ID Card
• Proof of Residential Address… e.g. tenancy agreement / utility bills, resident permit.
• Birth Certificate or Weighing Card of the Ward
• 2 passport pictures

Sign Up Now
Description

We understand that our individual priorities differ and we’ll work with you to understand and support them.

We have a comprehensive approach which puts you in the center of everything we do for you and recognizes your total relationship with us.

This is uniquely designed to provide distinctive flexibility to clients who have exclusive banking needs. It is based on developing a highly successful partnership, which includes Personalized Cash Management, attractive Call Rates above the bank’s board rate on all deposits made on the account. Smart Loans shall also be made available to clients upon request, at very competitive rates and at an excellent delivery time. From everyday banking, high yielding investment solutions to wealth management solutions. Experience premium service and attention wherever you are, with our dedicated relationship team. Enjoy customised benefits that recognise your total relationship with us and have been tailored to suit your needs.

Our Priority Account Solutions include:
– Current and Checking Accounts.
– Savings Accounts with highly competitive interest rates.
– Time Deposit Accounts.
– Extended Services for your cash management.
– Free Transaction Cost.
– No COT and no fees on cheque book issuance.

Sign Up Now

Investments

We believe in safe and rewarding Investments. That is why we provide you with competitive Interests Rates and Investment Advisory Service and ensure that you stay on top of your Investments. Our Investment Analysts are well trained to deliver bespoke advice on our investment options.

This is an upgraded investment package; a short term investment product that enables you to earn more yield than a regular deposit account.

The yield is based on interest rates for fixed tenures of 91, 182 or 365 days. In addition, it can be used as security against borrowing from the Bank. It is good news for borrowers who are not able to raise collateral for credit facilities for both business and personal purposes.

This is a Term Deposit product with premium features. It is a high yielding account which allows Investors to top-up the funds already invested. This is for Priority Fund Investors. Rates are negotiable depending on the amount invested.

Other Features
– Minimum amount of deposit of GHc2,000.
– Clients enjoy free advisory services.
– An Investment Certificate would be issued as security to obtain a loan.
– There are opportunities to top-up on your invested funds.
– Withdrawals are not allowed within the Investment Period.

If you are looking to get the best returns and extended service range for your Corporate Funds, our Investment Advisors are always at your service to deliver first class advice on Corporate Investments.

If you are looking to get the best returns and extended service range for your Corporate Funds, our Investment Advisors will offer our multi-boutique model for Institutional Investors.

These are Investment Products for Corporate Institutions who wish to earn extra returns on funds they do not have immediate use for. It is high yielding and recommended for Institutions to ensure that their unused cash do not remain dormant and loose value over time. If you are looking to get the best returns and expanded service range for your Corporate Funds, our Investment Advisors will offer our multi-boutique model for Institutional Investors.

While many entrepreneurs recognize the importance of planning for long-term growth, not many know what the key considerations are when evaluating capital growth decisions to fund business growth. It is a wise decision to invest your company funds that are not in use for a period.

Speak to an Accounts Advisor

SME Banking

We understand your unique business needs so we have tailor-made solutions to help you grow your business.

Description
A Current Account product designed to enable corporate entities perform business using cheques.

 unique features of this product are:
Interest rate is 1.00% per annum payable on balances of Five Hundred Cedis (GHc500).
Clients get a monthly statement and free advisory services.

Sign Up Now
Description
It is a regular business account geared towards encouraging corporate entities to set aside money gradually to meet future and unforeseeable needs.

It is a regular business account geared towards encouraging corporate entities to set aside money gradually to meet future and unforeseeable needs. The account attracts an interest rate of 1.75% per annum with no bank charges and account maintenance fee. Statements are provided on request. A minimum amount of Two Hundred Cedis (GHc200) is required to open an account.

Sign Up Now

Description
It attracts a much higher interest rate of 2.25% per annum. It is a business account geared towards encouraging corporate entities to set aside money.

It attracts a much higher interest rate of 2.25% per annum. It is a business account geared towards encouraging corporate entities to set aside money.

It attracts a much higher interest rate of 2.25% per annum. It is a business account geared towards encouraging corporate entities to set aside money gradually and for a much longer term to meet future and unforeseeable needs. It has no bank charges and account maintenance fees. A Business Account cheque book of 25 leaves is provided for withdrawals on the account. Statements are provided on request. A minimum amount of Four Hundred Cedis (GHc400) is required to open an account.

Sign Up Now

Description
This is uniquely designed to provide distinctive flexibility to businesses with exclusive banking needs.

This is uniquely designed to provide distinctive flexibility to businesses with exclusive banking needs. It is based on developing a highly successful partnership with you.It includes a flexible cash management, attractive call rates above the bank’s board rate on all deposits made on the account. Smart Loans shall also be made available to clients upon request, at very competitive rates and at an excellent delivery time. Free Transaction Cost, no COT and no fees on cheque book issuance.

Sign Up Now

Credit & Financing

We are here to help businesses meet their business aspirations the right way. We know that the best banking relationships are based on a win-win solutions. Core to our Corporate and SME banking, we offer innovative Credit and Financing Solutions that address your specific business growth needs.

Description

Having available working capital and a sturdy cash flow is undeniably vital, as it allows your company to grow and take advantage of new opportunities.

– Speedy decisions for your applications.
Providing quick response on all your new business applications and growth ideas.

– Lending solutions to fund your growth.
We give you the financial support for your business expansion plans

– Committed to your business.
We can enable you to drive your business growth with additional capital. Through a host of speedy services and lending solutions, we are able to assist you to make the most of business growth opportunities with short-term, medium-term and long-term financing solutions.

We’re on hand to enter into three-way supplier-chain agreements that ensure our clients are able to pay their essential suppliers promptly – and our systems make this a simple and efficient process.
We study our customers’ cash flow needs and design the most appropriate solution accordingly. This may be in the form of stock-funding to invoice-discounting, to loans against import/export orders, or factoring.

Sign Up Now
Are you a trader or small business owner with the skills and expertise to make a success of your business?

Has your loan application been turned down because you did not have enough collateral?

We designed this product specially to meet the credit needs of small businesses. It is a product geared towards providing working capital support for traders and businesses that are contributors to our Pesewa Savings Account product, but do not have adequate collateral. The maximum tenure is 3 months.

Features
– Loan amount ranges between GHc2,000 and GHc20,000.
– Loan tenure is between 1 and 12 months.
– Monthly installments or payment should not go beyond 40% of client’s net salary or income.

Interested?

Complete the application form and bring it to your nearest BEIGE Capital branch, along with the supporting documentation listed on the last page of the form.

Sign Up Now
Port Finance has been designed to assist individuals in their import and export transactions and targets SMEs and Corporate clients.

Port Finance has been designed to assist individuals in their import and export transactions and targets SMEs and Corporate clients as well as Individuals with good businesses.

Features
– Loan amount ranges between GHc2,000 and GHc100,000,000.
– A maximum Loan tenure of 6 months, unless our customer provides a justifiable reason for a much longer tenure.
– Repayment could be bullet or monthly.

Basic Requirements
– Business Registration Documents.
– Evidence of Shipping and Customs Assessment Documents.
– Cash flow and profitably analysis of the business.
– Bank Statement and 3 years audited financials.

Sign Up Now
We give a boost to your business’ finances when you need it most. A helping hand to sort out an unexpected pressing business need.

This product is an advance given at short notice for short term to finance quick business deals. Existing clients who get very good business deals that require some quick financial support are able to access this facility. The maximum tenure is 3 months.

Basic Requirements
– Business Registration Documents
– Cash flow and profitably analysis of the business.
– Bank Statement and 3 years audited financials.

Sign Up Now
Are you planning to remodel your office or set-up a new one? Then consider this line of credit to facilitate your needs.

Application processing is faster if you are already a client of BEIGE Capital.

Office Mortgage is geared towards assisting micro-entrepreneurs acquire or rent office space. Payment for office space is made directly to the owner of the shop with tenancy right to BEIGE Capital. The maximum tenure is 36 months.

Basic Requirements
– Business Registration Documents.
– You must have been in business for at least 2 years.
– Cash flow and profitably analysis of the business.
– Bank Statement and 2 years financials.

Sign Up Now
We designed this product to assist Registered Churches who need financial support to upgrade their infrastructure and other developmental projects.

Features
– Loan amount ranges between GHc2,000 and GHc100,000.
– Maximum loan tenure is 24 months.
– Weekly or monthly repayment plan, depending on convenience.

Interested?
Complete the application form and bring it to your nearest BEIGE Capital branch, along with the supporting documentation listed on the last page of the form.

Basic Requirements
– The church should be registered as a business.
– Church must belong to any of the recognized Christian Organizations.
– Should have been in existence for at least 2 years
– Bank Statements and 3 year audited financials.

Sign Up Now
When you need cash the most, you can rely on us to serve you with a Personal Loan that provides you with either a lump sum of money or a revolving.

When you need cash the most, you can rely on us to serve you with a Personal Loan that provides you with either a lump sum of money or a revolving line of credit, depending on how you want to use it.

Our Personal Loans are geared towards providing timely cash for salaried employees to acquire assets, pay bills and for personal development. Most employees, due to various demands on their monthly salary, find it difficult if not impossible to save to acquire consumer items such as electrical appliances and furniture.

Features
– Loan amount ranges between GHc2,000 and GHc20,000.
– Loan tenure is between 1 and 12 months.
– Monthly installments or payment should not go beyond 40% of client’s net salary or income.

Other Personal Loan Products we offer;

School Fees Loans

It is geared towards the payment of school fees of mainly salaried employees and individual entrepreneurs. This is a Social Capital product designed to provide customers with affordable loans to pay their child’s school fees and ensure that kids are always in school. The maximum tenure is 4 months.

Auto Loans

Designed for salaried employees and businesses to acquire vehicles for personal use or commercial purposes. The maximum tenure is 36 months.

Consumer Loans

These are geared towards assisting salaried employees to acquire assets and other home appliances from specific sales point. The maximum tenure of the loans is 24 months.

Interested?
Complete the application form and bring it to your nearest BEIGE Capital branch, along with the supporting documentation listed on the last page of the form.

Scheme Loans

These are designed for salaried employees in both the public and private sectors. The Company should have operated for at least 5 years to be considered for this facility. The maximum tenure is 24 months.

Sign Up Now
We live and work in communities and we always want to give back some way. That is why we designed this product to cater for the finance needs of our communities for projects and other amenities.

A product designed to enhance BEIGE Capital’s social equity. It is geared towards providing basic amenities for the benefit of communities. The product aims at businesses that are into Build-Operate-Transfer in providing amenities such as KVIP, small markets, water projects and other beneficial community projects. The maximum tenure is 36 months.

Another Community-related financing product is the;

School Fees Project Loan
This product is a Social Capital product designed to assist schools who need financial support to upgrade their infrastructure and for other development projects. The maximum tenure is 36 months.

Interested?
Complete the application form and bring it to your nearest BEIGE Capital branch, along with the supporting documentation listed on the last page of the form.

Sign Up Now
This is designed to assist Micro-enterprises and SMEs execute contracts from recognized institutions. Payments for work done will be made directly.

This is designed to assist Micro-enterprises and SMEs execute contracts from recognized institutions. Payments for work done will be made directly to BEIGE Capital. The maximum tenure of the loan is 12 months.

Sign Up Now
We have developed this product to assist micro and small scale enterprises to acquire business assets to help in their operations.

The target is mainly micro and small businesses. However, SMEs and Corporate clients may also be considered.

Features
– Loan amount ranges between GHc5,000 and GHc100,000.
– Maximum loan tenure is 24 months.
– Monthly or weekly repayment plan is feasible, depending on the cash flow cycle of your business.

Basic Requirements
– Business Registration Documents.
– Proforma Invoice from your Vendor.
– Cash flow and profitability analysis of the business.
– Bank Statement and financials.

Sign Up Now
This is geared towards providing working capital support for businesses over a fixed period of time. The maximum tenure is 12 months.

Sign Up Now
Visit Our Website