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SDC Finance and Leasing Limited began operations as the second discount house to be licensed by the Bank of Ghana in 1991 and was known as the Securities Discount Company Limited (SDC). The prime function of SDC, as a discount house, was to provide an outlet for the otherwise idle funds within the banking system and other participants in the Ghana money market and to provide liquidity in the short-term money market through the development of an active secondary market in money market instruments.
Auto Lease
Term financing for the purchase of automobiles for SMEs and other corporate institutions
Clearing of goods from the port
SDC also provides loans to SMEs and individuals for clearing their goods from the port under an arrangement where part of the cleared goods is used as collateral for the loan.
Commercial Paper
These papers are issued on behalf of known medium sized and large companies for onward selling to investors. This product are backed mainly by listed stocks and other traded money market securities. They are issued for a period of 30 days to a year
Consumer Financing
Household products financed for employees of SMEs and other employed salaried workers to be paid in installments.
Contract Certificates & Receivables/Invoice Discounting
SDC has positioned itself as the leading house for discounting of all contract certificates and other instruments issued by government and corporate bodies. We do this within the minimum possible time and request the issuer’s agreement to issue proceeds in the name of SDC and the borrower. Instruments that are discounted include contract certificates, receivables, bills of exchange etc.
Equipment Lease
Term financing for the purchase of equipment for medical, office, transportation, industrial and essential use
LPO Financing
This is another financing package for SMEs that provide services. Where an SME gets a confirmed order form a reputable company for the supply of any good or service
Promissory Notes
These are asset-backed Notes issued on behalf of borrowing SMEs and subscribed to by SDC for onward selling to knowledgeable clients and investors. This note has elements of a promise to pay SDC Finance & Leasing Ltd or an assigned investor and the maturity date and shall be tradable on the financial market for any period before maturity
Sale and Lease Back
Lease will be structured for capital intensive companies who need requisite equipment and working capital
The objectives of SDC Finance & Leasing Ltd is to be the finance house of choice for short to medium term asset-backed financing mainly to SMEs and other large corporate bodies.
To lead the active development of secondary market trading of money market instruments. These instruments will include Promissory Notes, Commercial Papers and Treasury Bills and Notes
To remain a leading primary dealer of Government of Ghana and Bank of Ghana bills and notes such as treasury bills, notes and bonds.
Offer leasing services to SMEs and other corporate bodies.
Intermediate medium to long-term funds from both offshore DFIs and local institutions for the SME sector.
As a result of current trends in the financial sector it has become necessary for SDC to reposition itself in the non-bank financial industry in order to achieve adequate returns for its stakeholders.
With this in mind, SDC has identified a niche in the financial sector within the non-bank financial industry that it intends on focusing to redefine its future business. SDC has decided to convert its current discount house license into that of finance and leasing house; SDC Finance & Leasing Ltd, with the main objective of developing structured asset-backed financial instruments for the financing of SMEs and other corporate institutions in Ghana, while maintaining its Primary Dealership status.
In the second year of operations SDC Finance & Leasing Ltd will enter into lease financing. Objectives of SDC Finance & Leasing Ltd The objectives of SDC Finance & Leasing Ltd will be; To be the finance house of choice for short to medium term asset-backed financing mainly to SMEs and other large corporate bodies.
To lead the active development of secondary market trading of money market instruments. These instruments will include Promissory Notes, Commercial Papers and Treasury Bills and Notes To remain a leading primary dealer of Government of Ghana and Bank of Ghana bills and notes such as treasury bills, notes and bonds. Offer leasing services to SMEs and other corporate bodies. Intermediate medium to long-term funds from both offshore DFIs and local institutions for the SME sector.
