The journey, end to end
Nothing you will be asked for is a surprise.
At a glance
How long each stage takes.
Free first check
Minutes
An indicative answer before you share anything sensitive.
Identity verified
Within 24 hours
Usually much faster. You are told the moment it clears.
Assessment complete
1–2 working days
AI reads your documents; a person reviews anything flagged.
Certificate issued
Same day as your result
If you are ready. If not, your plan arrives instead.
Partner introduction
2–5 working days
The partner then makes their own decision on their own timeline.
Step by step
Six steps, and you can stop at any of them.
Check your readiness — your first one is free
Tell us roughly where you stand and we will tell you whether a finance partner is likely to say yes — before you share anything sensitive.
Verify who you are
ID, a few details, and a quick selfie check. Done once, and it protects you as much as it protects the partner.
Share your financial picture
Bank statements, income, anything you already pay. Nothing is read until you tick the box that says we can.
Get your score — and the reasons
Not a bare number. What is strong, what is weak, what you could realistically afford, and where that leaves you.
Ready, or a plan to get there
Ready means a certificate and an introduction to a finance partner. Not ready means an improvement plan and someone tracking it with you.
Find the home, keep the relationship
Browse verified listings, buy through the platform, and keep building a record that makes the next thing easier.
Consent comes first
Each permission is asked for separately, explained in plain words, and can be withdrawn later from your account. No document is read before you agree.
Your result
Two ways this goes. Neither of them is a dead end.
If you are ready
- You get a Finance Readiness Certificate
- A clean summary goes to an ethical finance partner
- The partner reviews and makes their decision
- You browse verified homes and buy through the platform
The introduction goes through us, so you always have somebody on your side of the table.
If you are not ready yet
- You get every weak point named, in plain English
- An ordered plan — what to fix first, and roughly how long
- We keep watching your profile with you
- The moment you cross the line, you move to the other column
This is the part nobody else does. A bank says no and closes the file. We say not yet, and stay.
One thing we will never do is tell you that you have been approved or declined. We are not the lender. We prepare the case and put it in front of a partner — the decision, and the risk, are theirs.
Costs
What costs what.
Your first readiness assessment
Free
The score, the reasons behind it, and what you could realistically afford. Free for everyone, always.
Improvement programme
₦25,000 · $16
one-off
Three months: your ordered plan, monthly check-ins, a person reviewing your progress, and a fresh assessment at the end.
Finance Readiness Certificate
₦10,000 · $6
one-off
Issued once you qualify, and valid for six months — a financial picture from a year ago proves nothing today.
Certificate renewal
₦5,000 · $3
one-off
Re-checks your position and reissues for another six months. Cheaper than the first because we already hold your history.
Financial health, after you buy
₦20,000 · $13
per year
Optional. Repayment tracking, an annual review, and help before a missed month becomes a problem.
Your data being sold
Never
Not to advertisers, not to brokers, not to anyone. There is no price on this one.
Prices shown are indicative while we finalise them. You will always see the exact amount before you start anything, and you are never charged for the assessment that told you a paid service would help.
Being straight with you
What actually slows this down.
- Bank statements that are incomplete, cropped or missing pages
- A name on your ID that does not match your bank account
- Income that cannot be traced to anything we can see
- A selfie check that does not clearly match the ID
- Our request for clarification going unanswered
If something is missing, we tell you what.
Not “further documentation required”. The exact page, the exact mismatch, and what would resolve it.
Check your readiness — free