The Seed Funds Savings and Loans
- Company typePrivate
- Founded2014
- HeadquartersAccra, Ghana
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
The Seed Funds Savings and Loans firmographics
Firmographics- Name
- The Seed Funds Savings and Loans
- Legal name
- The Seed Funds Savings and Loans Company Limited
- Website
- https://theseedfunds.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Where The Seed Funds Savings and Loans is headquartered
LocationHeadquarters
- HQ city
- Accra
- HQ country
- Ghana
- HQ region
- Africa
Offices9 records
Markets served
The Seed Funds Savings and Loans business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Interest Income on Loans: The company earns interest income from various loan products including Port Clearing Loans, LPO Financing, Working Capital loans, Consumer loans, Government Sector loans, and Salary Plus Facility loans.
- E-Banking and Collections Services: Revenue generated from money transfer services (Western Union, MoneyGram), bill payment services (ECG, Ghana Water, DSTV, MTN, Tigo), and collection services.
- Investment Products: Interest-bearing deposit products including TSF Call Account and TSF Fixed Deposit accounts that generate returns for customers while providing the company with deposit funding.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Current Account |
| Subscription | Monthly | Business Savings Account |
| Usage-based | Pay-as-you-go | Business Call Account |
| Subscription | Monthly | Individual Current Account |
| Subscription | Monthly | Savings Account |
| Subscription | Monthly | Hybrid Account |
| Subscription | Monthly | Medaakye Account (Susu Account) |
| Subscription | Monthly | Kiddy Account |
| Subscription | Pay-as-you-go | TSF Fixed Account (Target Savings) |
| Usage-based | Pay-as-you-go | TSF Call Account |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels1 record
The Seed Funds Savings and Loans product offering
Product offeringCore offering
The Seed Funds Savings and Loans Company Limited (TSF) is a Ghanaian savings and loans institution that accepts deposits and extends credit through personal banking accounts, business banking accounts, a diversified loan portfolio, and interest-bearing investment products. It complements these with e-banking, international/local money transfer (Western Union, MoneyGram, RIA, MTN, Tigo), and bill payment collection services (ECG, Ghana Water, DSTV), distributed through a 9-branch network in the Greater Accra region and an internet banking platform.
Product overview
The Seed Funds Savings and Loans (TSF) is a Ghana-based financial institution offering a comprehensive suite of banking products through its personal banking, corporate/business banking, loans & advances, investment services, and e-banking divisions. Personal banking includes current accounts (Individual Current Account, Hybrid Account), savings accounts (Savings Account, Medaakye Account), and specialized accounts (Kiddy Account for children). Corporate banking offers Business Current, Savings, and Call accounts. The loans portfolio covers Port Clearing, Working Capital, Consumer, Government Sector, Scheme, Salary Plus, and LPO Financing products. Investment services include Call Account, Fixed Deposit, and Target Saving accounts. E-banking services encompass money transfers and bill payments. The company operates through 9 branches across Ghana.
Differentiator
Problem solved
Functional benefit
Products and services
- TSF Individual Current Account
- TSF Savings Account
- TSF Hybrid Account
- TSF Kiddy Account
- TSF Medaakye Account (Susu)
- Business Current Account
- Business Savings Account
- Business Call Account
- TSF Port Clearing Loan
- TSF Working Capital Loan
- TSF Salary Plus Facility
- TSF LPO Financing
- TSF Consumer Loan
- TSF Government Sector Loans
- TSF Scheme Loan
- TSF Call Account
- TSF Fixed Deposit / Target Saving Account
- Money Transfer Services
- Bill Payment Collection Services
Companies that use The Seed Funds Savings and Loans
Customer profileSegments3 records
Ideal customer profiles3 records
The Seed Funds Savings and Loans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
The Seed Funds Savings and Loans partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered minor.
- Western UnionminorInternational money transfer service provider enabling customers to receive and send money globally through The Seed Funds branches
- MoneyGramminorInternational money transfer service available at TSF branches for cross-border money transfers
- RIA Money TransferminorInternational money transfer service provider offering additional remittance options at TSF branches
- ECG (Electricity Company of Ghana)minorUtility bill payment service for electricity bills through TSF e-banking platform
- Ghana Water CompanyminorWater bill payment service available through TSF e-banking platform
- DSTV GhanaminorPay TV subscription payment service through TSF e-banking platform
- MTN GhanaminorMobile airtime payment service through TSF e-banking platform
- Tigo GhanaminorMobile airtime payment service through TSF e-banking platform
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
The Seed Funds Savings and Loans competitors and assessment
Company assessmentBroad incumbents
- Ecobank Ghana Plc: Large pan-African universal bank with a leading Ghanaian branch network, full corporate and retail banking, and extensive remittance/bill-payment infrastructure. Competes with TSF across retail deposits and trade finance but at materially larger scale.
- GCB Bank Plc: Ghana's dominant state-linked universal bank with the largest branch network and broadest deposit franchise. Competes head-on with TSF for government employees, SMEs, and household savings at substantially greater scale.
- CAL Bank Plc: Mid-tier Ghanaian universal bank offering personal, business, and trade finance products with a national branch network. Larger and broader than TSF but overlaps directly on corporate banking, working capital, and trade-finance products.
- Republic Bank (Ghana) — formerly HFC Bank: Ghanaian mortgage-focused savings and loans institution now part of Republic Financial Holdings, offering consumer and SME banking. Comparable to TSF as a Ghanaian S&L but with a larger parent-backed balance sheet.
Direct peers
- ProCredit Bank Ghana: Small-business and consumer banking subsidiary of the ProCredit Group operating in Ghana, with a comparable focus on SME lending, transactional banking, and financial inclusion.
- Adehyeman Savings and Loans: Ghana-licensed savings and loans company serving retail and SME customers with a similar urban branch-led model. Closest peer-by-peer comparison to TSF in scale and product mix.
- Opportunity International Savings and Loans (Ghana): Microfinance-focused savings and loans institution licensed in Ghana serving small businesses and individuals with deposit and loan products. Highly comparable to TSF in business model, target segments, and product mix.
- Letshego Ghana (Letshego Microfinance): Subsidiary of pan-African inclusive finance group Letshego Holdings, providing payroll-deduction consumer loans and deposits to salaried customers in Ghana. Closely comparable to TSF's Salary Plus Facility and Medaakye-style inclusion products.
- Midland Savings and Loans: Ghanaian savings and loans institution with personal, business, and investment deposit products. Operates in a similar sub-scale urban S&L segment directly comparable to TSF.
- Bayport Financial Services (Ghana): Ghanaian subsidiary of Bayport International, providing salary-based lending and savings products to middle- and lower-income earners. Comparable to TSF on payroll-deduction lending and similar customer demographics.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
The Seed Funds Savings and Loans financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Seed Funds Savings and Loans leadership team
Management profileNumber of profiles
Profiles8 records
The Seed Funds Savings and Loans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Seed Funds Savings and Loans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Seed Funds Savings and Loans
What does The Seed Funds Savings and Loans do?
The Seed Funds Savings and Loans Company Limited (TSF) is a Ghanaian savings and loans institution that accepts deposits and extends credit through personal banking accounts, business banking accounts, a diversified loan portfolio, and interest-bearing investment products. It complements these with e-banking, international/local money transfer (Western Union, MoneyGram, RIA, MTN, Tigo), and bill payment collection services (ECG, Ghana Water, DSTV), distributed through a 9-branch network in the Greater Accra region and an internet banking platform.
Is The Seed Funds Savings and Loans a public or private company?
The Seed Funds Savings and Loans is a private company. It is classified as unknown and is currently operating.
When was The Seed Funds Savings and Loans founded?
The Seed Funds Savings and Loans was founded in 2014. It employs 251 to 500 people.
Where is The Seed Funds Savings and Loans based?
The Seed Funds Savings and Loans is headquartered in Accra, Ghana, in the Africa region.
How does The Seed Funds Savings and Loans make money?
Three revenue lines are on record. Interest Income on Loans are the primary driver. The others are E-Banking and Collections Services and investment Products.
Who are The Seed Funds Savings and Loans's main competitors?
Broad incumbents on record are Ecobank Ghana Plc, GCB Bank Plc, CAL Bank Plc and Republic Bank (Ghana) — formerly HFC Bank. Direct peers are ProCredit Bank Ghana, Adehyeman Savings and Loans, Opportunity International Savings and Loans (Ghana), Letshego Ghana (Letshego Microfinance), Midland Savings and Loans and Bayport Financial Services (Ghana).
Does The Seed Funds Savings and Loans have an API?
No public API is recorded for The Seed Funds Savings and Loans.