This is the fastest growing product with almost 75% of our total customers opting for this product. There are various types of this account.

This savings is demand savings, the customer can deposit and withdraw at any point in time, and it is designed purposely for "daily business men and women" who needs money to operate their daily businesses.

This product is purposely designed for children, irrespective of their age. But this account is being operated by their parents. The minimum deposit is GHS 1.00, and it attracts interest for every three (3) months. When no withdrawals is made within the said three months.

This product is similar to the traditional Susu that has existed for years. THe minimum contribution is GHS 1.00 and the daily contribution can be as high as the customer can afford. After 30 days, the customer may apply for a loan, and the approval of the loan depends on the turnover of the customer. It is important to state here that these loans taken from HOB Capital are payable through the Susu scheme. Thus if a customer takes a loan, the person pays back through the Susu contribution. At HOB Capital, we believe in each person's capabilities and loans are granted out as such. But the customer must meet few and flexible requirements.

This particular product is in the system to benefit our customers who contribute for almost 6 months and over, towards a particular project. As the name literally implies, the customer hopes for something. This product allows the customer to contribute some specific amount of money for a specific period of time to qualify him or her for a loan.

This product allows individuals to realize their dreams. The account allows the customer to save towards a purpose. Under this product, the customer has to contribute at least 10% of whatever he or she wants to acquire.

This account is an investment account normally called fixed deposits. This product of HOB Capital attracts higher interest. It is negotiable.

The process of group loan goes through our customers and non customers especially, women who are petty traders and want to enlarge their businesses. During the processing, we normally allow them to form their own group, and the group comprises, fish mongers, drinking bar operators, food vendors, provision store owners and other petty traders. When the group is formed, the bank takes them through credit education at least 5 days to enable them to manage the loan facility granted wisely, the bank also allows them to choose two people as their group leaders. The leaders see to it that the group members are paying the loans regularly. They are also given four to six months to pay the loan without fail. Concerning the group loans, the customers are given the funds without collateral and usually low in interest in order for them to pay in time and in installment basis. Before the loan is granted, there are few simple requirements they have to meet, in order to be qualified members. The group can apply for another or bigger loan after the payment or the loan granted.

Funeral loans are given out to both customers and non-customers. HOB Capital have the saying "don't grieve over funeral expenses" this loan is geared toward helping families to go through their grief moments without hustle. It is mainly for funeral expenses. The loan is payable within specific period of time, usually one month with interest. There are few requirements.

It is the sudden state of danger that needs serious or immediate attention. Such as payment of hospital bills and payment of school fees. There must be a proof or evidence that shows that the customer needs an emergency loan.

This facility is mainly for customers who will need financial assistance in clearing their goods from port. To access this loan the person needs to show proof of import (bill of laden). This loan facility is open to customers and non-customers.

These loans are normally granted to individuals and drivers who want to buy their own cars. Such people must have at least 10% of the total price of the car. The bank shall register the car in the name of the bank and the car documents will serve as collateral, until the customer pays the loan and the interest attached.

This loan is designed for individual customers who want to acquire a room or want to renew their rent but do not have the means. The company takes such customers through education for them to know the repayment procedures. The company once again access them if they qualified to be given the loan.

This product is designed purposely for vegetable crop farmers and fishermen, who are customers and non-customers. They must be in a group form before they can take this loan facility. The company gives these particular loans to customers who are farmers and want equipment and chemicals for farming or fishing. The repayment of this loan is normally based on the agreement between the customer and the company.