Forms Capital Limited (FCL) is a specialist financial services company incorporated under the Companies Code 1963 (Act 179) and licensed by the Bank of Ghana to carry out the business of a finance house under the Non-Bank Financial Institution (NBFI) Act, 2008 and in accordance with the Banking Act 2004 (Act 673). FCL was formed following the acquisition of the defunct First National Leasing Company in 2009 and commenced operations as a finance house in April 2012.

FCL specializes in providing tailored financing solutions to businesses (SMEs and corporates), institutions and individuals. Our operational strategy focuses on delivering creative value-adding financial solutions to our clients with convenience, speed and responsiveness as our hall mark.

Scope of Operations

FCL is permitted to operate as a non-deposit taking Finance House. Our operations cover the following service areas:

      •  Lending – Loans and Advances to the general public
      •  Leasing – Finance and Operating Lease
      •  Investments – providing avenues for the general public to place funds to earn a return
      •  Corporate Finance - Fund Raising and Advisory services

Given the competitive environment and the anticipated regulatory changes, FCL has been positioned as a well-regulated Bank undertaking the business of a Finance House. This implies having a strong capital base and complying with all Bank of Ghana regulations while at the same time investing in processes and systems that allow it to be responsive and quickest in meeting the needs of customers in its chosen market space.



FCL is 100% owned by Lifeforms Limited.

Lifeforms Limited is a wholly owned Ghanaian multi-disciplinary company incorporated in 1987. The company’s business activities spans media, technology, project development, logistics supply and management. Lifeforms Ltd was originally incorporated in 1987 as a media consulting company; however in 1999 the company realized opportunities in infrastructure projects development and realigned its operations as a projects promoter and developer. Lifeforms also holds minority equity stake in Prudential Bank Limited, Fidelity Bank, Phyto Riker Pharmaceutical and Women’s World Banking Savings & Loans.

The company’s operations are currently dominated by project development activities. Over the years Lifeforms has been involved with a number of high profile projects such as the Self-Help Rural Electrification Project (SHEP 4) US$350 million project put together on behalf of Ministry of Energy in 2008. The project is financed by US EXIMBANK and is about 60% completed. Lifeforms together with SSNIT and Trasacco is promoting the US$348 million mixed used development project known as the Switchback Park Project. The project is being developed on 7.65 hectare land situate at Switchback Road adjacent to the 37 Military Hospital, Accra.


FCL’s dedicated Corporate Finance strategic business unit focuses on providing advisory services in relation to capital raising, financial and corporate restructuring, business strategy and development. Our clients include local and multinational corporates, parastatals and SMEs, typically within the energy, public infrastructure, real estate, and transportation sectors. FCL has fostered strategic relationships with a number of international institutions which affords us the opportunity to raise competitive financing on the international market.

Services Offered

Capital Raising

      •  Create value enhancing financial strategies and capital structures for clients.
      •  Facilitate the capital raising process by offering specific financial solutions
      •  Originate, structure, and execute debt financing

Financial Advisory & Corporate Restructuring

      •  Create value enhancing financial strategies and capital structures for clients.
      •  Facilitate the capital raising process by offering specific financial solutions
      •  Originate, structure, and execute debt financing

Business Strategy & Investment Development

      •  Create value enhancing financial strategies and capital structures for clients.
      •  Facilitate the capital raising process by offering specific financial solutions
      •  Originate, structure, and execute debt financing




Forms Capital was instrumental in the successful closure of the USS$200 million Government of Ghana Housing Project, by providing local advisory and facilitation services to both the project promoter/EPC contractor Construtora OAS of Brazil and lender Credit Suisse. FCL facilitated the interface between the two parties and relevant Government Ministries and Agencies as well as the Parliamentary approval process.


Most recently FCL supported a local oil trading company (OTC) with international trading networks, to raise US$20 million trade finance facility from the regional ECOWAS Bank for Investment and Development (EBID). FCL structured the transaction and made presentations on behalf of the company to management of the Bank.



FCL is currently working as the mandated lead arranger/advisor on the US$380 million Switchback Park Project, which is a mixed used urban development on a 17-acre land at Switchback Road near the Flagstaff House. FCL is advising on the project finance structure and leading contacts, discussions and presentations to selected local and international lenders/financiers.


The company is also advising the Government of Ghana (Ministry of Finance and Ministry of Energy) to structure and raise financing for the completion of ancillary works and road network to ensure commercial completion of the Ghana Gas Infrastructure Project. FCL has been tasked to raise up to US$150 million. Have been working with a number of international banks to structure a suitable financing for the project.


Product & Services

Investment Products

Fixed Deposits

This is a high yielding investment product designed to meet the investment needs of both individuals and companies. Our Fixed Deposits return high interest rates above Government of Ghana Treasury Bill rates; and are negotiable depending on the amount placed and duration of investment. Your choice of investment duration spans from 91,182,365 days to 2 years with an option of roll over.

Forms Quick Investment Plan (FQIP)

FQIP is a multi-purpose short to long term investment product designed to assist individuals and households to build up funds from their regular cash inflows for investment. This product provides opportunities for customers to invest funds weekly, bi-weekly or monthly according to their cash flows. FQIP allows the investor an option to vary the funds invested and investment days.

Forms Flexi Save (FFS)

FFS is a carefully taught out investment product that caters to the unexpected financial needs of both individual and corporate investors. FFS allows investors access to their funds at any time during the investment period with no penalty charge for early withdrawal.

Forms Platinum Plan

FPP is a private investment product designed to meet the investment needs of high net worth individuals such as CEOs, Top Management of corporate bodies, businessmen/women with excess cash flow.

Loan Products

Personal Loan

This loan is designed to cater for the urgent needs of salaried workers both permanent and contract employees.

Payroll Lending

This is suitable for both permanent and contract employees in companies, organizations and institutions. This is targeted at organizations or institutions with a minimum work force of 5 or more and has been operating for more than 2 years.

Business /SME loan

Business loan is exclusively limited to registered businesses; Sole Trader, Company limited by guarantee, limited Liability Companies, Registered NGO and association.

Import Duty Financing

Import duty loan is for the clearing of goods at the ports. The goods being cleared are insured against accidents and other unforeseen disasters.


This offers you the finance you need to acquire the equipment you need to grow your business. Forms capital also underwrites operating and finance lease.


Other Products and Services provided by Forms Capital include:


  • Discounting Facilities (Certificate Discounting)
  • Vehicle Finance Scheme
  • Export Financing
  • Trade Finance
  • Financial Advisory Services.


Key Management

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Delphina Place, 29 Orphan Crescent Labone, Accra-Ghana P.O. Box OS 1914, Osu, Accra +233 30 276 4660, 764 659, 768 324 +233 30 221 4268-9