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Onshore (Cash and Draft Rates):GBP / GHS = Bid: 6.2544 Offer: 6.8748USD / GHS = Bid: 5.0500 Offer: 5.4150EUR / GHS = Bid: 5.6025 Offer: 6.0703Offshore (Transfer/Inflows):GBP / GHS = Bid: 6.2544 Offer: 6.8648USD / GHS = Bid: 5.0500 Offer: 5.3850EUR / GHS = Bid: 5.6025 Offer: 6.0603

Construction Finance

From business loans to commercial mortgages, find the right lending option for your business

The main purpose of this product is to enable GHL Bank provide Construction loans to real estate developers. The product is designed to simplify the credit process and administrative work to help developers meet the needs of customers in a timely, secured and profitable manner.

The GHL Advantage

Tier 1

Each transaction limit shall not exceed US$2,000,000.00. Tenor will be a maximum of 36 months. The Loan-to-Value (LTV) shall not exceed 60% for the completion of infrastructural works and 70% for cost of construction works.

Tier 2

Each transaction limit shall not exceed US$500,000.00. Tenor will be a maximum of 24 months. Each approved transaction shall not exceed 70% of the total value of pending disbursement with GHL Bank.


Land Title Certificate or registered indenture covering the estate. Due diligence report on the collateral. Statement of indebtedness and or commitment to other banks or financial institutions. 3 years business bank statements. Statement of directors' net worth. Building permit issued by the relevant Municipal Assembly. Contractor’s All Risk Insurance policy from a GHL Bank approved insurance company. Document confirming the purpose of the loan.

We have great products for your business

Our business current account gives you the premium feel of a business account and the personal feel an individual account brings you.