FREQUENTLY ASKED QUESTIONS
We understand that borrowers may have questions before applying. Below are answers to some of the most common questions about our process, repayment structure, verification system, and loan requirements.
FAQ's
Who can apply for a loan?
Individuals and small business owners in Nigeria, who can provide the required verification documents and meet our assessment requirements may apply.
Why do borrowers start with smaller loan amounts?
Our system is designed to build trust, consistency, and repayment history first. Successful repayment helps borrowers unlock access to higher loan opportunities over time.
What documents are required?
Applicants may be required to provide:
• Valid ID
• NIN or BVN
• Proof of income or business activity
• Utility bill
• Guarantor information
• Bank details
Requirements may vary depending on loan tier and assessment.
How long does approval take?
Applications are reviewed once all required documents have been received and guarantor verification has been completed successfully.
Processing times may vary depending on the verification and assessment process. However, once all documents have been submitted and verified, a decision will typically be made within 24 hours.
Do you contact guarantors?
Guarantor verification forms part of our review process. Verification may include identity checks, supporting documentation, video verification, signed agreements, and other assessment procedures. SureFlow Finance reserves the right to conduct additional verification where necessary.
What happens if I repay successfully?
Successful repayment history may qualify borrowers for higher loan opportunities and increased flexibility within our tier system.
What happens if repayment is late?
Late repayments may attract additional charges and may affect future borrowing eligibility.
We encourage all borrowers to communicate early if difficulties arise.
Are all applications approved?
No. All applications go through a structured assessment and verification process before approval decisions are made.
What is SureFlow Circle?
SureFlow Circle is our community savings programme designed to help members save consistently towards their personal financial goals.
What is an SCRN?
SCRN (SureFlow Client Reference Number) is a unique customer reference number assigned to eligible SureFlow clients for identification and account management purposes.
What is an SGRN?
SGRN (SureFlow Guarantor Reference Number) is a unique reference number assigned to guarantors who have successfully completed our verification process.
What is SureFlow Trusted Access Programme?
Trusted Access is an invitation-only benefit available to selected borrowers who have demonstrated responsible borrowing behaviour and successful repayment history.
How do I qualify for Trusted Access Programme?
Eligibility is based on factors such as repayment history, Trust Score, account performance, and overall relationship with SureFlow Finance.
How do I qualify for higher loan tiers?
Progression is based on successful repayment history, Trust Score, account conduct, and overall account performance. Progression is not automatic.
How do I request a withdrawal from SureFlow Circle?
Members can submit a withdrawal request using the SureFlow Withdrawal Request Form available on our website.
Are Community Savings Boosts and Birthday Savings Boosts guaranteed?
No. Community Savings Boosts, Birthday Savings Boosts, promotions, and member rewards are discretionary programmes and may be subject to eligibility requirements.