Digital-Ready & Accessible
Online membership and loan application forms make onboarding easy — no long queues!
Read MoreCommunity-Focused Growth
Our Adwuma Nkosuo model helps entrepreneurs improve record-keeping, savings discipline, and credit readiness.
Read MoreBusiness Support Services
Access training, mentoring, and expert advisory through our partnerships with hubs like Agrico Hub.
Read MoreTailored Financial Solutions
Loans and savings plans designed specifically for startups, MSMEs, cooperatives, and informal traders.
Read MoreHow to Open an Account and Apply for a Loan
Follow these six simple steps to become a member and access the financial support your business needs
1. Fill Out the Online Membership Form
Start by completing the official StartCCU Membership Application Form online. Provide accurate personal, business, and contact details.
2. Submit a Valid ID
Upload a copy of your national ID (such as Ghana Card, Passport, Voter ID, or Driver’s License) for identity verification.
3. Pay Your Share Contribution (GHS 100)
Make a one-time payment of at least GHS 100 as your initial share contribution to activate your membership in the cooperative.
4. Open a Savings Account
Once approved, open a StartCCU savings account and begin regular contributions. Your savings history helps determine loan eligibility.
5. Complete the Loan Application Form
Log in to apply for a loan. Select the loan type (Startup, Working Capital, or Cooperative Loan) and provide relevant business details and loan purpose.
6. Undergo Assessment & Receive Funds
Our team will assess your application and savings history. If approved, your loan will be disbursed to your registered account with flexible repayment terms.
What We Do
Our Adwuma Nkosuo model helps entrepreneurs improve record-keeping, savings discipline, and credit readiness.
- Tailored Financial Solutions
- Business Support Services
- Flexible Savings Options
- Affordable Loan Packages
- Inclusive & Member-Owned
- Digital-Ready & Accessible
- Community-Focused Growth
Our Services at a Glance
We offer a unique blend of savings products, affordable business loans, and hands-on support services to help startups and MSMEs grow. Whether you're just starting out or scaling up, our solutions are designed to meet your financial needs and business goals.
- Save Smart: Flexible savings plans for individuals, SMEs, and groups
- Access Credit: Loans for startups, working capital, and cooperatives
- Grow Your Business: Get training, financial literacy, and support through our Adwuma Nkosuo model
Compare us with others
With StartCCU, you're not just a client — you're a member, a partner, and part of a movement to grow businesses from the ground up.
| Feature/Service | StartCCU | Traditional Banks | Mobile Money Services |
|---|---|---|---|
| Tailored loans for startups & MSMEs | |||
| Business development & advisory support | |||
| Flexible savings for individuals/groups | |||
| Support for informal businesses | |||
| Cooperative ownership model | |||
| Credit readiness and mentoring | |||
| Affordable interest rates | |||
| Community-focused and inclusive |
Become a Member
Join a growing cooperative that puts entrepreneurs first. Whether you're a startup, youth- or women-led business, or a farming group, StartCCU membership gives you access to financial tools, training, and a supportive business network.
Affordable Loans & Savings Plans
Get access to flexible savings options and low-interest loans tailored to help you grow your business with ease.
Business Development Support
Receive practical training, financial literacy guidance, and expert advice to strengthen your operations and decision-making.
Ownership in a Member-Driven Cooperative
As a member, you’re more than a client — you co-own the union and benefit from shared success and reinvestment.
Networking & Partnership Opportunities
Connect with other entrepreneurs, cooperatives, and business leaders to explore collaborations and expand your reach.
It’s not just a loan—it’s a business booster!
With GrowthBoost, you get more than just financing.
Maximize Your Loan with:
Free Digital Marketing Support Access to Grant Funding Assistance Business Coaching and Mentorship
Apply for GrowthBoost today and let’s build your business together!
We always try to understand customers expectation
At Startups Cooperative Credit Union, we go beyond financial services — we listen, learn, and evolve with our members. Whether it's improving access to credit, simplifying savings, or providing business support, we focus on what truly matters to you.
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Active Members
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Loans Disbursed
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Youth & Women Inclusion
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Partnerships Formed
What customers say about us
Our members are at the heart of everything we do. From startups and market traders to agribusiness owners and youth-led ventures, the voices of our community reflect the trust, transformation, and growth we’re proud to support. Here’s what some of them have to say about their journey with Startups Cooperative Credit Union:
“StartCCU believed in my business when no one else would. Their loan helped me expand my poultry farm, and the training improved my bookkeeping.”
Hamdia Issahaku
Agribusiness Owner“As a young entrepreneur, I struggled to save and access funds. StartCCU’s flexible savings plan and support helped me grow my fashion brand.”
Precious Gyamea
Fashion Startup Founder“As a young entrepreneur, I struggled to save and access funds. StartCCU’s flexible savings plan and support helped me grow my fashion brand.”
Precious Gyamea
Fashion Startup Founder“The cooperative model makes me feel like I truly belong. I'm not just taking a loan — I'm part of a community that supports my growth.”
Rose Takyiakwaa
Market Trader & Member“The cooperative model makes me feel like I truly belong. I'm not just taking a loan — I'm part of a community that supports my growth.”
Rose Takyiakwaa
Market Trader & Member“Their team guided me through every step — from joining to securing a startup loan. It's more than a financial institution; it’s a business partner.”
Daniel Adebayor
Youth-led Tech Business Owner“Joining StartCCU was a turning point for my business. The cooperative not only provided affordable financing but also connected me to mentors who guided my growth. I now have a clear vision and steady income.”
Vaadi Gordon
Agro-Processing Entrepreneur“Joining StartCCU was a turning point for my business. The cooperative not only provided affordable financing but also connected me to mentors who guided my growth. I now have a clear vision and steady income.”
Vaadi Gordon
Agro-Processing EntrepreneurOur trusted partner
We are proud to collaborate with trusted partners who share our vision of empowering startups and MSMEs. Through these partnerships, we provide stronger financial solutions, business development support, and wider opportunities for our members.
Apply for an Account in Minutes
Get your Adwuma Nkosuo account today!