Retail Products

Cash covered loan


This facility is for customers with cash require short-term financing without discounting their investments. Customer can access a maximum of up to 90% of his/her investment assigned to the bank


To fund general expenses such as  purchase of household items, pay bills and for any other personal financial needs.


  • Customers must have an investment such as savings, fixed deposit (flexi-plus) treasury bills, bonds or notes which will be assigned ti Societe Generale Ghana.

Target customers

Top affluent
Mass affluent
Mass market


  • Customer's investment us used as security for the loan facility
  • Customer's investment is blocked when the overdraft facility agreement is signed
  • Source of payment must be known

Interest Rates


Rates remain fixed for all staff once agreement is signed.

Facility processing fee

 Facility processing fee(Negotiable)