For Small Businesses

Running a small business in Ghana has two rhythms. The first is staying out of trouble: GRA tax filings, employment contracts, tenancy, invoicing that holds up. The second is growing: business plans that attract capital, pitch decks that get meetings, financial models that let you make decisions with numbers instead of hope. This page is organised around that priority order. Keep things clean with GRA first The Freelancer Finance & GRA Tax Kit on the shelf below is the most-used product in this category: a Google Sheets bundle with professional invoices, an expense tracker, an income statement and a tax estimator configured for current GRA brackets. If you're a freelancer or sole proprietor earning above the GRA threshold, this is the lowest-friction path to being compliant. For small businesses with employees, the Employment Contract & HR Letters Bundle covers the offer letters, confirmation letters and warning letters you need to onboard staff with proper paperwork. For landlords or tenants, the Tenancy Agreement Template is aligned to the Rent Act. Then grow deliberately Once compliance is handled, the next question is usually "how do I raise money" or "how do I plan the next 18 months without guessing." The SME Business Plan Template (Ghana) is a 28-page editable document with a built-in Excel model — the framework Ghanaian SMEs have used to secure bank and grant funding. The Investor Pitch Deck Template handles the fundraising conversation itself, with two worked examples from Ghanaian startups. The Startup Financial Model is the plug-and-play Excel sheet underneath both: three-year projections, cash flow, break-even, denominated in cedis. Then look like a business When tax is in order and the plan is on paper, the last piece is presence. The Small Business Logo Kit and the Social Media Templates Bundle give you a brand and a feed that don't look like they were made in a hurry. The Freelance Service Contract Pack protects your work when you start taking paid projects. Below is the full catalogue and FAQs covering the most common Ghanaian SME questions — GRA registration, PAYE, Ghana Investment Promotion Centre for foreign ownership, and what to put in a founder's agreement.