HOW SUREFLOW FINANCE WORKS 

Our process is designed to keep lending structured, transparent, and secure for both our borrowers and our business. Every application goes through a review and verification process to ensure responsible lending, accountability, and long-term borrower growth.

 

THE APPLICATION PROCESS 

1️⃣ Submit Your Application

Complete your application and provide all required documents for review and verification.

2️⃣ Verification & Assessment

Our team reviews your documents, repayment capability, guarantor information, and overall application profile.

3️⃣ Approval Process

Successful applicants receive a structured loan offer outlining repayment terms, duration, and repayment schedule.

4️⃣ Agreement & Confirmation

Applicants must review, sign, and return the loan agreement before disbursement can proceed.

5️⃣ Loan Disbursement

Once verification and agreement confirmation are completed successfully, approved funds are released.

6️⃣ Structured Repayment

Borrowers repay through agreed weekly repayment plans while building repayment history and future borrowing opportunities.


KEY TERMS & CONDITIONS 

  1. All information provided must be accurate and truthful 
  2. SureFlow Finance may verify information supplied in your application 
  3. Approved Borrowers may pay according to the agreed repayment schedule 
  4. Providing false information may result in application rejection 
  5. SureFlow Finance reserves the right to decline any application 


MANDATORY DOCUMENTS REQUIRED 


PLEASE HAVE THE FOLLOWING DOCUMENTS READY BEFORE STARTING YOUR APPLICATION:

* Valid Proof of Identity (National ID Card, International Passport, Voter’s Card or Driver’s Licence)

* Proof of Address (Utility Bill, Bank Statement or Tenancy Agreement)

* Proof of Income (Payslip, Employment Letter, Bank Statement or Business Income Records)

* BVN (Bank Verification Number)

* You will also need details of one guarantor or next of kin, including their full name, phone number, residential address, and email address.


GUARANTOR AND NEXT OF KIN REQUIREMENTS

Please note that your guarantor or next of kin will be required to complete a separate Information Form as part of the application process. This form includes identity verification, proof of address, proof of income, and a signed Guarantor Agreement or Next of Kin Declaration.

Before submitting your application, we recommend sharing the form with your proposed guarantor or next of kin so they understand the information and documents that will be required.

Please take a moment to view the Guarantor Information Form and Next of Kin Verification & Consent requirements in advance.


RETURNING CUSTOMERS 

TRUSTED. VALUED. REWARDED

As a returning customer who has previously borrowed and successfully repaid with SureFlow Finance, you may qualify for our Priority Application Process. This simplified application allows us to review your request more quickly while ensuring your information remains accurate and up to date.

Returning customers may also benefit from progression through our Trust and Tier System, including access to simplified applications, Trusted Access eligibility, priority reviews, and other loyalty benefits designed to reward responsible borrowing and positive account performance.

At SureFlow Finance, we believe trust should be earned, recognised, and rewarded. Every successful repayment helps strengthen your customer profile and may unlock new opportunities as your relationship with us grows. 💗


TRUSTED GUARANTORS 

SUPPORTING BORROWERS. BUILDING TRUST

  • At SureFlow Finance, we recognise the important role guarantors play in helping borrowers access responsible financial support. Guarantors who have previously completed our verification process and hold an SGRN (SureFlow Guarantor Reference Number) may qualify for a Simplified Verification Process when supporting future applications.
  • Benefits may include:
  • ✓ Faster verification reviews
  • ✓ Reduced document requests where details remain unchanged
  • ✓ Use of our Repeat Guarantor Form
  • ✓ Easier future application support


GROWTH THROUGH CONSISTENCY 

“At SureFlow Finance, trust isn’t built in a single application, it's built over time. It’s built through consistency, communication, and responsible financial behaviour over time.”

Successful repayments, positive account performance, and responsible borrowing behaviour contribute towards your Trust Score and progression through our Tier System.

Customers who demonstrate consistency may qualify for higher borrowing opportunities, streamlined applications, Trusted Access benefits, priority reviews, and exclusive rewards reserved for our most valued members.

Every repayment cycle is an opportunity to strengthen your financial profile and unlock new possibilities. 💗