Getting a loan in ghana is not that difficult at all. There are so companies and institutions offering loans that mostly the procedure differs from company to company. The best way to go about it is to visit what ever companies you are comfortable with and asked them to thoroughly explain their loan packages to you. Demand for a copy of thier terms of agreement pertaining to the loan you want and take the document home. Study it thoroughly to understand it or lest an expert explain it to you. If you feel comfortable with the process, then you can now decide to apply for the loan.
You can get loan from any bank in ghana or any reputable financial institutions, churches, ngos etc