Check Readiness
Assess your readiness for a finance application.
Work through five short sections that mirror what providers ask for in Sierra Leone. Mark each item as in place, in progress, or not started. CAFIA identifies the highest-impact next steps based on your answers.
Answers stay on your device
Where you are today
This is a private snapshot of where the assessment stands today. Use it to plan the next set of documents to prepare.
Suggested next steps
Every item is marked as in place. Review the checklist again in a few months, or continue to Find Finance to review current listings.
Readiness assessment
Five sections. Answer at your own pace.
Each section covers one area of readiness. Update answers as records and registrations move forward.
Section 01
Identity
Section 01
Identity
I have a valid personal ID
National ID card, passport, or driving licence.
Why this helps
Every provider will ask to see personal ID at the first meeting.
- Keep the original safe and take a clear photo or copy.
- Check the expiry date and renew early if it is close.
Section 02
Money
Section 02
Money
I use a bank account or mobile wallet
A place to receive money and see what comes in and out.
Why this helps
A simple account or wallet builds a basic money trail over time.
- A mobile wallet is a fine starting point.
- Try to receive some regular income into it, even small amounts.
Section 03
Records
Section 03
Records
I keep simple income records
Three months of notes on money coming in.
Why this helps
It helps you and a provider see what you actually earn each month.
- A notebook is fine. Digital is fine too.
- Write down the date, the source, and the amount.
I keep basic customer or sales notes
A simple record of who bought what and when.
Why this helps
It shows the business has real activity beyond one-off sales.
- Even a tally in a notebook is useful.
- Weekly totals are easier to review than daily entries.
Section 04
Planning
Section 04
Planning
I have a monthly cash flow note
A one page list of what you spend and what you earn each month.
Why this helps
It shows whether a repayment would be comfortable for you.
- Group costs into rent, stock, transport, food, family, savings.
- Update it once a month, on the same day if you can.
I have talked it over with someone I trust
A partner, family member, mentor or friend.
Why this helps
Money decisions feel less heavy when they are shared with someone.
- Explain what you want the finance for and how you will repay.
- Ask them what could go wrong, and how you would handle it.
Section 05
Business
Section 05
Business
My business is registered (if I have one)
A registration certificate helps providers recognise your business.
Why this helps
Registration opens more formal options, but it is not the only path.
- Ask about options for informal or small traders.
- If you register, keep the certificate somewhere safe.
I have a tax reference (TIN)
A Taxpayer Identification Number is free to obtain.
Why this helps
Some larger providers ask for it, and it helps with formal options over time.
- Not needed for very small or first-time options.
- Keep the number somewhere you can find it quickly.