BORROW RESPONSIBLY

Our loans are designed to help individuals and small businesses access responsible finance when they need it most. Whether you’re covering an emergency, growing your business, or managing important expenses, we’re here to support you.

Before applying, please ensure that you can comfortably afford the repayments associated with your loan request. Borrowing more than you need or can reasonably repay may place unnecessary pressure on your finances. Responsible borrowing helps build a positive repayment history and access to future borrowing opportunities with SureFlow Finance.

We encourage all applicants to review the Loan Calculator, Repayment Schedule, and Full Loan Terms before submitting an application.

YOU MAY BE ELIGIBLE TO APPLY IF:

• Are at least 18 years old
• Are resident in Nigeria
• Have a regular source of income (employment or business)
• Can comfortably afford the proposed repayments
• Are able to provide a suitable guarantor/Next of Kin (where required)

YOUR APPLICATION MAY NOT BE APPROVED IF:

• Do not meet our affordability or eligibility requirements
• Have provided false or misleading information
• Have a history of poor repayment or unresolved loan defaults
• Are unable to provide satisfactory verification documents or a suitable guarantor/Next of Kin
• Fail our identity, affordability, or compliance checks

LOAN APPLICATION FORM

This application takes approximately 5-10 minutes to complete. The information you provide helps us assess your application fairly and responsibly. To avoid delays, please ensure you provide ALL requested information and upload the correct supporting documents accurately.

Due to the high volume of applications we receive, incomplete applications may not be processed until all required documents have been received and we may not contact you to request missing information. It is your responsibility to ensure your application is complete before submitting it.

Before starting your application, please have the following ready:

• A valid ID
• A selfie holding your ID
• Three months’ bank statements (PDF)
• Proof of employment/business
• Proof of address
• Your guarantor's or next of kin’s full name, email address and phone number

Full Name

Date of Birth

Phone Number

Email Address

Full residential address, including house/building number, street name, town/city, county/state (where applicable), and postcode/ZIP code.

Please upload a clear photograph of your Passport, Driver’s Licence or NIN Card. Screenshots are not accepted.

Upload a selfie holding your ID next to your face. Ensure your face and all details on the ID are clearly visible.

Valid proof of address document dated within the last 3 months. [Utility bill, bank statement, or tenancy agreement]

Proof of employment or business activity. [Recent payslip, pictures of business activities, employment letter, business registration document, or any other supporting evidence that confirms your current source of income]

Upload the last 3 months’ bank statement in PDF format downloaded directly from your banking app. Screenshots are not accepted.

What is the loan amount you are requesting for? [First-time applicants may apply for up to ₦20,000. Access to higher amounts is earned through successful repayments and positive account history]

₦7,500
₦10,000
₦15,000
₦20,000

What is the purpose of the loan you are requesting?

What repayment period are you requesting for this loan?

4 Weeks
8 Weeks

Full bank details, including: Account Name, Bank Name, Account Number. Ensure all information is accurate, as these details may be used for loan disbursement and account verification purposes.

Bank Verification Number (BVN).

Which of the following can you provide to support your application?

A verifiable Guarantor (Financially responsible if the borrower defaults.)
A Next of Kin (Emergency contact only. Not responsible for loan repayment.)

Next of Kin or Guarantor’s full legal name as it appears on their identification documents.

Next of Kin or Guarantor's mobile number.

Next of Kin or Guarantor's email address.

What is your relationship to your Guarantor or Next of Kin?

If you were referred to SureFlow Finance by a SureFlow Finance Ambassador, please enter their name or referral code below.

Have you read and understood our verification process, and do you agree to the SureFlow Finance Loan Application Terms & Conditions?

Yes
No

Do you consent to SureFlow Finance contacting your guarantor, next of kin, employer, or business (where applicable) for the purposes of verification, affordability assessment, and loan processing?

Yes
No

Do you authorise SureFlow Finance to conduct credit checks on you using your BVN, NIN or Phone Number

Yes
No

In the event of a default, do you authorise SureFlow Finance to report your personal data and outstanding debts to CRC Credit Bureau, First Central Credit Bureau, Credit Registry and other financial monitoring regulatory bodies?

Yes
No

Do you understand that defaulting will negatively affect your credit score and restrict your ability to access future credit facilities from SureFlow Finance and in Nigeria?

Yes
No

Would you like to receive updates about loan opportunities, Savings Circles, financial tips, community programmes, and exclusive member offers from SureFlow Finance? 💗

Yes
No

Before clicking Submit, please ensure: ✓ All required fields have been completed. ✓ All required documents have been uploaded. ✓ Your bank statement covers the last 3 months and is in PDF format. ✓ Your selfie clearly shows your face and your ID.

All required fields have been completed.

Send me a copy

BORROW RESPONSIBLY

Our loans are designed to help individuals and small businesses access responsible finance when they need it most. Whether you’re covering an emergency, growing your business, or managing important expenses, we’re here to support you.

We encourage all applicants to review the Loan Calculator, Repayment Schedule, and Full Loan Terms before submitting an application.

YOU MAY BE ELIGIBLE TO APPLY IF:

• Are at least 18 years old• Are resident in Nigeria• Have a regular source of income (employment or business)• Can comfortably afford the proposed repayments• Are able to provide a suitable guarantor/Next of Kin (where required)

YOUR APPLICATION MAY NOT BE APPROVED IF:

LOAN APPLICATION FORM

This application takes approximately 5-10 minutes to complete. The information you provide helps us assess your application fairly and responsibly. To avoid delays, please ensure you provide ALL requested information and upload the correct supporting documents accurately.

Due to the high volume of applications we receive, incomplete applications may not be processed until all required documents have been received and we may not contact you to request missing information. It is your responsibility to ensure your application is complete before submitting it.

Before starting your application, please have the following ready:

• A valid ID• A selfie holding your ID• Three months’ bank statements (PDF)• Proof of employment/business• Proof of address• Your guarantor's or next of kin’s full name, email address and phone number

• Are at least 18 years old
• Are resident in Nigeria
• Have a regular source of income (employment or business)
• Can comfortably afford the proposed repayments
• Are able to provide a suitable guarantor/Next of Kin (where required)

• A valid ID
• A selfie holding your ID
• Three months’ bank statements (PDF)
• Proof of employment/business
• Proof of address
• Your guarantor's or next of kin’s full name, email address and phone number