The Build Now Pay Later service in Ghana can be used by two main categories of prospective customers:

Individuals and

Businesses / Corporates / Organisations.


STEP 1: Searches, Verifications and Validations

Seven () main searches:

• Land Title / Deed Search  Ownership status

• Bank of Ghana Collateral Registry Search  Unencumbered status

• Court Registry Search (Pending Litigation)

• Ghana Police Property Fraud Unit

• Metropolitan or Municipal Search  Build Permit check for uncompleted projects.

• Flood Report: Ghana Meteorological Services

• Earthquake Report: Geological Survey Department


 It's not compulsory to pay us to do these mandatory preconstruction searches, verifications and validations for you, you can do it yourself and have the results or reports sent to us directly, before we can proceed. 

If you need our several years' experience to complete the above searches on your behalf, it comes at an upfront fee please. Learn more


STEP 2: Onsite Visit / In-person In Office Meeting

We only do a site visit after the searches have been completed. This will help us in costing the project and architectural drawings


STEP 3: Architectural Drawings + Costing

We would present to you our drawings for approval together with our proposed project cost estimations. Client's inputs are always factored in.


STEP 4: Signing of paperwork

You read and sign our paperwork, before we can proceed. The repayment option will also have to be agreed. You can choose to make one bulk payment within 2 weeks of completing project and handing over, or you could also agree to our instalment payment that can allow you to repay within 10-20yrs (or less).


STEP 5 – After signing the paperwork

We proceed to prepare to site to start and complete construction. Construction will start within 4 weeks of getting approved building permit. Construction period will typically be between 6 months and 18 months, but with a project to fit the size of a 100ft by 80ft land we can do it under 12 months (if not even far less).


STEP 6 : Construction and Hand Over

Once all the above steps are completed, we move to site and start construction, for timely delivery and handover.




A detailed terms and conditions are always provided with this service, but the highlight of this service is: Your land serves as a partial collateral for this project and if you default on repayment to the last cedi or make mutually-agreeable repayment plan we reserve the right to sell off this project to recoup our capital and/or investments.



It's obvious costs are going to be incurred right from the outset (searches, onsite visits, architectural drawings, cost estimations, building permit, etc) even before we start digging your site for the construction, so take note of applicable fees and charges when completing our digital onboarding platform to kickstart the process as elaborated above.




How it works

Our offices