Community Enterprise & Livelihood Fund
Empowering Communities Through Interest-Free Loans
We provide accessible, interest-free loans to support local entrepreneurs, small businesses, and individuals seeking to improve their livelihoods and strengthen their communities.
Who We Are
A Social Enterprise Dedicated to Community Development
Empowering communities through accessible, interest-free financial services since 2019.
5+
Years Serving
Communities
The Community Enterprise and Livelihood Fund (CELF) is a social enterprise initiative committed to providing interest-free loans to individuals and small businesses within our community.
Founded on the principles of financial inclusion and community empowerment, we believe that access to capital should not be a barrier to success. Our mission is to support hardworking individuals who lack access to traditional banking services.
Through our streamlined application process and flexible repayment options, we make it possible for community members to achieve their entrepreneurial dreams while maintaining their financial dignity.
500+
Loans Disbursed
95%
Repayment Rate
0%
Interest Rate
Our Services
How We Support Our Community
From application to disbursement, we provide comprehensive support to ensure your success.
Interest-Free Loans
Access capital without the burden of interest payments. Our loans are designed to help you grow, not hold you back.
Flexible Repayment
Choose weekly, monthly, or quarterly repayments over 5 months based on what works best for your cash flow.
Simple Process
Just bring your Ghana Card and complete our straightforward application. No complex paperwork or hidden requirements.
Mobile Money
Approved loans are disbursed directly to your Mobile Money wallet for immediate access to your funds.
Our Philosophy
Built on Trust, Driven by Purpose
Our core values guide everything we do and shape how we serve our community.
Community First
Every decision we make is guided by its impact on our community. We exist to serve and uplift the people around us, not to profit from them.
Financial Dignity
We believe everyone deserves access to fair financial services. Interest-free lending preserves the dignity of those we serve.
Sustainable Growth
Our goal is to create lasting change. By supporting small enterprises, we help build a stronger, more resilient local economy.
People We Serve
Empowering Entrepreneurs & Families
We serve hardworking individuals who are often overlooked by traditional financial institutions but have the drive and determination to succeed.
Small Business Owners
Market traders, shop owners, and artisans looking to expand their inventory or equipment.
Agricultural Workers
Farmers and agricultural entrepreneurs needing capital for seeds, tools, or livestock.
Service Providers
Hairdressers, tailors, mechanics, and other skilled workers growing their businesses.
Families in Need
Individuals facing unexpected expenses for education, healthcare, or home repairs.
Contact Us
Get In Touch With Our Team
Have questions about our loan programs or want to learn more about how CELF can help you? We are here to help.
Visit Us
123 Community Center Road
Accra, Greater Accra Region
Ghana
Call Us
+233 XX XXX XXXX
Monday - Friday, 8am - 5pm
Email Us
info@celf.org
support@celf.org
Send Us a Message
Ready to Support Your Community?
Join our team of dedicated staff members helping to manage loan applications and make a real difference in people's lives.
Access Staff Portal