E-Mail: info@ffslghana.com

  • Leasing & Hire Purchase:

Freann Financial Services Ltd Leasing Division (FFSLLD) – this division is a national equipment lessor dedicated to supporting small ticket (under $250,000) equipment vendors, distributors and manufacturers by providing access to convenient, competitive and efficient financing to customers of their products. FFSL is dedicated to providing convenient point of sale financing solutions to help small ticket equipment vendors, distributors and manufacturers, shorten the sales cycle and facilitate the close of a potential sale.

Based in Accra, FFSLLD has serviced the needs of its vendors, customers and brokers since its formation in 2008. Throughout its inception, FFSLLD has kept pace with the ever-changing economy to develop innovative leasing programs, professional marketing support and easy-to-use leasing tools for our clients.

FFSLLD is a full service leasing division – funding and servicing all leases that it originates. FFSLLD has established working relationships with more than 3,000 vendors of all sizes from across the Ghana and Worldwide. Over the years, FFSLLD has booked and serviced over 60,000 leases with an equipment cost value of more than $100 million.

FFSLLD’s senior management has vast experience in the leasing industry. These executives have designed creative lease programs to keep pace with the ever-changing marketplace.

For more information, please feel free to call one of our FFSLLD Account Executives or e-mail info@ffslghana.com.



  • Mortgage Financing

At Freann Finance Mortgage Division, ‘Best of Class’ is our mission and the focus in all that we do. It is our goal in developing, building and managing the nation’s most remarkable Class-A office and mixed use properties. We continuously support and give back to the communities in which we live and work. Our mission influences a corporate culture that fosters the potential for excellence in every employee.

Our division was founded in 2008 by Frederick Anning, who today still serves as our Executive Director and CEO. Since its inception, The Freann Finance Mortgage Division has set itself apart—executing bold deals, anticipating the future, and gaining an uncommon reputation for entrepreneurial drive. Some of the most visionary development projects undertaken in recent years began on the boards at Freann Finance Mortgage Division. Consistently strong leasing activity and high tenant retention attest to our standing as owner and manager. Every day, in countless ways, we create and manage value while insisting on the highest ethical standards.

Freann Finance Mortgage Division is a national alliance of leading mortgage lenders offering a broad range of mortgage loan products to suit a wide variety of customer needs, including new home purchase, refinance and home equity loans. Each lender in the FFMD Network is a direct mortgage lender (not a broker), and is committed to providing you with the highest quality products delivered with superior customer service. As direct lenders, FFMD Network members have access to exclusive products and programs, allowing them greater flexibility to meet the individual needs of their customers.

FFMD Network has partnered with major providers of mortgage capital and mortgage-related services enabling our lenders to offer their customers products, pricing and services that are among the best in the industry. And, just as important, each FFMD Network lender has the capital, resources and experience necessary to meet and maintain the highest ethical and professional standards.

 Factoring & Purchase Order Financing

Can’t afford to wait up to 60 days to get paid by your clients? Need to pay your suppliers, employees or rent? Our Factoring and purchase order financing division can provide you with the working capital you need to meet your obligations and grow your business. We provide services in the Accra Ghana.

We can offer factoring rates as low as 5% (based on industry, volume and location). You can email us at info@ffslghana.com

Financing product selection

Invoice Factoring: Freann Finance Factoring & Order Financing Division helps companies in all industries that cannot afford to wait up to 90 days to get paid by their commercial or government customers.

Transportation Company Factoring: Freann Finance Factoring & Order Financing Division helps trucking companies and freight brokers that cannot afford to wait up to 90 days to get their freight bills paid.

Medical Factoring: Freann Finance Factoring & Order Financing Division helps medical providers, doctors and diagnostic centers that cannot wait up to 90 days to get their claims paid.

Construction Subcontractor Factoring: Freann Finance Factoring & Order Financing Division Helps construction subcontractors by providing an advance on their invoices.

Purchase Order Financing: Freann Finance Factoring & Order Financing Division helps companies that have a purchase order on hand from a large client, and need financing to pay their suppliers.

What are the benefits of factoring?

Factoring your invoices enhances your cash flow and allows you to meet business expenses and take on new opportunities. The benefits of factoring include:

  • Provides you with predictable cash flow and eliminates slow payments
  • Flexible financing, as your factoring line is tied to your sales. It’s the ideal tool for growth
  • Factoring is easy to obtain. Works well with startups and established companies
  • Factoring financing lines can be setup in a few days

How does factoring work?

Invoice factoring provides you with an advance on your invoices that will be paid in the next 30 to 90 days. Instead of waiting for your clients to pay, you get immediate working capital to run your company.

A factoring company will buy your invoices and pay you for them in two installments. The process is simple and has three steps:

  1. You invoice your client and send a copy of the invoice to the factoring company
  2. The factoring company advances you 80% as a first installment (this amount varies)
  3. Once your client pays, the factoring company rebates the remaining 20%, less the factoring fee

Who qualifies for invoice factoring?

Invoice factoring can be used by most companies that engage in commercial or government sales. The most important requirements are:

  • Your company must sell to other companies or government agencies
  • Your clients must have have a reasonably good track record of payments
  • Your invoices must be free of liens or judgments

However, the best way to find out if you qualify is to speak with a professional.

What are the benefits of purchase order financing?

Purchase order financing can help resellers and importers grow their businesses by providing the necessary working capital to pay suppliers and deliver large orders. The benefits of po financing include:

  • Never worry about paying your suppliers. Purchase order financing can cover up to 100% of your supplier costs
  • Your available financing is based on the size of your purchase orders. Purchase order financing is an ideal tool to handle large orders
  • Qualifying for post financing is relatively easy. The biggest requirement is that you have solid commercial or government customers

Will factoring or purchase order financing help you?

If would like to know a little bit more about our typical client and what we can do for you specifically, please talk to us. We will help you determine if we are the right solution for you.

Have a question about factoring or purchase order financing?

Do you have a question about factoring or purchase order financing? Want to find out if we are the right factoring company for you? Please call to speak to a specialist now. For the best factoring rates, get an online quote now.

  • Loan Financing

At Freann Finance Loans Division we can provide unsecured and secured loans from GH¢100 to GH¢25,000 for any purpose.

Best Consolidation Loans

A consolidation loan is a great way of taking control of your finances by reducing your payments into a single lower monthly repayment.

Best Unsecured Loans

An unsecured loan brokered through the Freann Finance Loans Division can be taken out for any loan purpose, and whatever your personal circumstances.

Best Debt Help

There is no such thing as a debt problem that cannot be resolved. At Freann Finance Loans Division we have access to advisors who specialize in helping people in financial difficulty.

If you are seeking a consolidation loan then why not find out more about a debt management plan. For further information on debt help and advice or to speak to someone about debt help and ad At FFLD we are dedicated to helping our customers bridge the gap between paydays from the privacy and comfort of their own home. Our cash advance loan services are a quick solution for your immediate financial needs. Make Anyday Payday with a hassle-free payday loan from FFLD or its lending partners and benefit from:

“You guys are great I’ll remember you in the future and definitely apply for some more loans. Thank you, you guys are life savers. My wife and I appreciate it very much, you truly are life savers, you are the best.”—Nana Akomea. – Cantonments

  • Five-minute online cash advance application
  • Instant approval, cash deposited next business day*
  • 24/7 customer service, for answers day or night
  • Less-than-perfect credit not a problem for payday loans†
  • No faxing or extra paperwork required
  • Payday loan services from the confidentiality of your home

What kinds of loans does FFLD offer?

Payday Loans — Payday Loans are short-term loans with a small Cedi amount that are usually repaid upon your next payday.

Installment Loans — A medium-term loan, usually with a higher loan amount than payday loans, is repaid gradually in installments. The loan may be repaid early at any time with no prepayment penalties.

Credit Service Organization Loans (CSO Loans) — A short-term loan provided by one of the lenders we work with and repaid upon your next payday. As a Credit Services Organization, FFLD will attempt to arrange and service a loan between you and a third party lender.

More on Payday Loans and CSO Loans

Payday loans and CSO loans could be the quick and easy solution when you need a loan days or even weeks before payday. Do you have a flat tire and need to get it fixed fast? Is your Bank threatening you with yet another late fee if you don’t pay off your bill that week? Get the cash you need when you need it, with payday loans and CSO loans from FFLD (subject to approval). You could have cash deposited directly into your bank account as soon as the next business day.

Can You Extend Payday Loans and CSO Loans?

You have 3 options when it comes to repaying your payday loans and CSO loans:

  • Payment in Full: First is to pay off the loan in full when your next payday arrives.
  • Extension: If for whatever reason you cannot make your loan repayment in full on your first payday, you may extend your loan and pay only the fees which are due on your first payday. Your loan will then carry over until your next pay cycle at which time your principal and new loan fees are due. The availability of an extension is subject to approval by FFLD and individual requirements.
  • Partial Payment: If you are unable to make your full payment, you may also pay off the fees on your loan and pay some of the principal of the loan on your first payday. This partial payment of your principal on your first payday will lower the outstanding principal on your loan. Since the loan principal you owe is now lower, the amount of your loans fees will also be lower as a result of your partial payment. Your remaining loan principal and fees will be due at the end of your next pay cycle. Payday Loans and CSO Loans extensions are not available in all states.

How Do I apply for Payday Loans and CSO Loans?

Do you have an active checking account? Have you been employed and receiving a steady paycheck for 1 month or more? If you are 18 years or older and a permanent resident of Ghana you may be eligible to receive payday loans or CSO loans today! Less-than- perfect credit is not a problem! Apply today and get the cash you need fast with FFLD. Fill out our quick and easy to understand application from the comfort and privacy of your own home and be on your way to the cash advance you need today!

The Freann Financial Services Limited Microfinance Scheme


FFSL administers very small “micro” loans to the working poor in support of their small scale enterprise and business operations. This hard-to-reach population of petty traders forms the backbone of daily economic activity in Ghana, yet it is often denied access to financial services at larger banking institutions. FFSL goes into the field to serve the working poor in their own communities, providing small, manageable loans and a reliable network of support. In this way, clients successfully grow their businesses, repay their loans, and achieve financial self-sustainability


FFSL clients can choose from a variety of diverse, market-driven products. Clients engaged in Income Generating Activities (IGA’s) – petty trading or the sale of basic services – have access to two group loan products, known as the Compulsory Savings Loan (CSL) and Susu Savings Loan (SSL). Entrepreneurs operating Small and Medium Enterprises (SME’s) – businesses that perform value-adding services to goods before sale or IGA’s that have grown to require a large investment – can select the third FFSL loan product. All FFSL loans include complementary business skills training and a built-in savings component, so that clients learn to adopt positive savings habits and gain the skills to become successful entrepreneurs.

Microfinance Products and Services

FFSL offers five (5) different microfinance products namely:

1. Compulsory Savings Loans (CSL)
2. Collateral Loans (CL)
3. Agricultural Loans (AL)
4. SME Loans (SL)
5. Individual Loans (IL)

The above products are provided under both individual and group lending methodologies.

1. Compulsory Savings Loans (CSL)

The compulsory savings loan employs the group methodology concept. It requires that clients make weekly contributions during the loan cycle, until they have saved at least 20% of the loan size required.

2. Collateral Loans (CL)

This product involves a mandatory 12-week collateral savings programme after which loans equal to two times the amount saved during that period is extended to the client.

3. Agricultural Loans

Agricultural Loans are targeted at individuals and group of farmers of privatized farms, Fishermen and fish mongers, livestock owners and those engaged in Agro-business.

4. SME Loans

FFSL SME Loan is targeted at small medium enterprises, for the purchase, construction or repairs of a commercial property, business expansion or working capital, however due to the size of the loan to be taken and the size of the business, it’s not made to be part of a group.

5. Individual Loans

Individual Loans are designed for clients and non clients that have specific needs beyond the group lending model. Loans are given to an individual outside of the group lending process. Amounts are typically higher than that of the income generating loan and repayments are less frequent. Applicants must complete a strict business appraisal process and have both collateral and a guarantor.
Areas of Microfinance
Business skills training

FFSL believes that loan provision is most beneficial when combined with training in basic business skills.

Credit group banking

FFSL’s group loan format offers a peer-based, participatory approach to financial management

For advice then please email us at info@ffslghana.com

  • Freann Finance Brokerage Division

Freann Finance Brokerage Division is a licensed Ghanaian customs brokerage firm.
Customs Border Protection regulates brokers. Only licensed Customs Brokers are allowed to transact Customs business on behalf of others. Each licensed firm is required to have at least one licensed broker on staff. The broker acts as the agent between the shipper, the consignee, Customs and other government agencies. It is the broker’s job to be sure that the importer of record is in compliance with all Ghanaian laws.

  • Management Advisory & Consultancy Division

We work with leading organizations across the private, public and social sectors. Our scale, scope, and knowledge allow us to address problems that no one else can. We have deep functional and industry expertise as well as breadth of geographical reach. We are passionate about taking on immense challenges that matter to our clients and, often, to the world.

We work with our clients as we do with our colleagues. We build their capabilities and leadership skills at every level and every opportunity. We do this to help build internal support, get to real issues, and reach practical recommendations. We bring out the capabilities of clients to fully participate in the process and lead the ongoing work.

We look to hire individuals with leadership potential, integrity, a sharp analytical mind, creativity, and the ability to work with people at all levels in an organization.

Those who come to FFMACD join people bound by a shared set of values and a culture of support, caring, trust, respect, and interdependence. We go to extraordinary lengths to support the people we hire to succeed. We provide them with unrivaled opportunities for growth and global impact. This passion to help continues in our alumni, who remain connected to and engaged with our firm and its people.

We look to hire individuals with leadership potential, integrity, a sharp analytical mind, creativity, and the ability to work with people at all levels in an organization.

Those who come to FFMACD join people bound by a shared set of values and a culture of support, caring, trust, respect, and interdependence. We go to extraordinary lengths to support the people we hire to succeed. We provide them with unrivaled opportunities for growth and global impact. This passion to help continues in our alumni, who remain connected to and engaged with our firm and its people.

We develop unparalleled management insights

Working with our clients on their most challenging issues requires deep industry and functional expertise. We invest significant time and effort in developing and renewing a knowledge base that offers unique perspectives and insights to our clients. Knowledge development occurs within our eighteen industry practices, eight functional practices, and the yet to be established FFMACD Global Institute.

We apply our understanding of market and industry forces to develop long-term macroeconomic perspectives. We convene the most influential thinkers to debate the most pressing issues, and publish our thinking in journals yet to be launched.