Individuals and small business owners in Nigeria may apply, provided they meet our applicable eligibility, verification and assessment requirements. Every application is considered individually

We believe financial relationships are built overtime. Starting at an appropriate level allows us to understand how you manage your repayment and commitments before considering for the opportunities.

As your relationship with show flow finance develops, responsible repayment and consistent account conduct may support progression to other opportunities.

You don't have to start big you simply have to start responsibly.

No. The eligibility check is only an initial indication of whether you may be suitable to proceed.

A full application is still subject to our assessment, verification and applicable lending criteria.

Depending on your circumstances and the type of support you’re applying for, you may be asked to provide documents such as:

• Valid identification
• NIN or BVN
• Proof of income or business activity
• Proof of address
• Bank details
• Guarantor information, where applicable
• Other supporting information required for verification

We’ll let you know what we need and why.

Requirements may vary depending on the application and applicable assessment criteria.

This can vary depending on how quickly all required information and documents are provided and how long verification takes.

Once your application is complete and the required checks have been successfully completed, we’ll communicate the outcome and next steps.

We don’t want to leave you wondering what’s happening. We’ll keep you informed throughout the process.

Yes, where a guarantor is required, verification forms part of our assessment process.

This may include identity verification, supporting documents, video verification, signed agreements and other reasonable checks where necessary.

We want everyone involved to understand their role before proceeding.

No. Every application is assessed individually, and meeting our basic eligibility requirements does not guarantee approval.

Our aim is to make lending decisions responsibly and appropriately based on the information available to us.

An SCRN (SureFlow Finance Client Reference Number) is a unique reference number assigned to eligible SureFlow Finance customers for identification and account management purposes.

An SGRN (SureFlow Finance Guarantor Reference Number) is a unique reference number assigned to guarantors who have successfully completed the applicable verification process.

Successful repayment is an important part of building your relationship with SureFlow Finance.

Consistent repayments, responsible account conduct and open communication may support eligibility for further borrowing opportunities, progression or other benefits available to you.

Your journey doesn’t end when one loan is repaid.

If you think something may affect your ability to make a repayment on time, please speak with us as early as possible.

We’d much rather have an open conversation than have you struggle silently.

Any applicable consequences or options will depend on your loan terms and circumstances.

Trusted Access is our way of recognising customers who have built a positive relationship with SureFlow Finance.

Eligible customers may become able to access additional benefits, flexibility and opportunities as their relationship with us develops. It’s about more than borrowing. It’s about the relationship you’ve built.

Trusted Access is invitation-based. We may consider factors such as your repayment history, account conduct, consistency, communication and overall relationship with SureFlow Finance.

There isn’t a single score or number that defines your relationship with us. Eligibility and available benefits may vary between customers.

No. Trusted Access provides access to opportunities that may be available to eligible customers, but each benefit or request may have its own requirements.

Being invited to Trusted Access does not guarantee approval for every request.

SureFlow Circle is our community savings programme designed to help members save consistently towards personal financial goals.

It provides a structured way to put money aside while working towards something meaningful to you.

Members can submit a withdrawal request using the applicable SureFlow Finance withdrawal process.

The timing and requirements may depend on the type of savings arrangement you have.

No. Any savings boosts, birthday benefits, promotions or member rewards are discretionary and may be subject to specific eligibility requirements and applicable programme terms.