KYC status
Your KYC status progresses through the following stages:| Status | Meaning |
|---|---|
| Not submitted | You have not yet filled in the KYC form. |
| Submitted | Your form has been received and is awaiting review by the Shelta team. |
| Approved | Your identity and income have been verified. You have full access to the platform. |
| Rejected | Your submission was not accepted. You will receive a reason and can resubmit. |
How to submit your KYC
Navigate to Dashboard → KYC and complete the four-step form. You can save your progress and return to it at any time before submitting.Personal details
Provide your personal information exactly as it appears on your government-issued ID.
Income and employment
Tell us about your profession and income. The form adapts based on whether you are a business owner, employed, or a student.
Occupancy details
Indicate how you intend to use the property — whether you will live alone, if you have pets, and so on.
Step 1: Personal details
- Fields
- Tips
| Field | Notes |
|---|---|
| Full name | Pre-filled from your account. Surname first (e.g. Adeyemi Chukwuemeka). |
| Date of birth | You must be at least 18 years old. |
| Gender | Male, Female, or Prefer not to say. |
| Phone number | Pre-filled from your account. Nigerian mobile number (+234). |
| Preferred contact mode(s) | Select one or more: Email, Phone Call, WhatsApp, SMS. |
| WhatsApp number | Only shown if you select WhatsApp as a contact mode. Leave blank if the same as your phone number. |
| Nationality / Country | Select your country of citizenship. |
| State / Region | Select your state or region of origin within your chosen country. |
| Government-issued ID type | NIN slip, International Passport, or Driver’s License. |
| ID document upload | Upload a clear scan or photo. PDF, JPG, or PNG, maximum 5 MB. |
Step 2: Income and employment
This step is the most detailed section of the KYC form. The fields you see depend on which profession you select.Profession types
- Business owner
- Employed
- Student
Select this if you own a business and derive income from it.
| Field | Notes |
|---|---|
| Average monthly income | Select the range that best represents your typical monthly take-home. See income ranges below. |
| Company / business name | The trading name of your business. |
| Type of business | Retail, Technology, Trading, Consultancy, or Other. |
| Business address | The physical address where your business operates. |
| Years in operation | How long your business has been running. |
| Registration status | Whether your business is CAC-registered or not. If registered, provide your CAC registration number and upload your CAC documents. |
| Business bank account | Indicate whether you have a dedicated business bank account. |
| Proof of income type | 1-year bank statement, business financial statement, tax clearance certificate, audited financial statement, or other. |
| Proof of income document | Upload the document you selected. PDF, maximum 5 MB. |
Income ranges
The average monthly income field uses the following ranges, expressed in Nigerian Naira (₦):| Selection | Monthly income range |
|---|---|
| ₦100,000 – ₦250,000 | Between ₦100k and ₦250k per month |
| ₦250,001 – ₦500,000 | Between ₦250k and ₦500k per month |
| ₦500,001 – ₦1,200,000 | Between ₦500k and ₦1.2M per month |
| ₦1,200,001 – ₦3,000,000 | Between ₦1.2M and ₦3M per month |
| ₦3,000,000 and above | More than ₦3M per month |
Select the range that reflects your average monthly income, not your highest or lowest month. If your income varies significantly, choose the range that most accurately represents your typical month.
Affordability rule
Shelta Asset applies an affordability check when you apply for a property: Annual rent must not exceed 25% of your annual income. For example, if your monthly income is in the ₦250,001 – ₦500,000 range (minimum ₦250,001/month, or ₦3,000,012/year), the maximum annual rent you would be eligible for is ₦750,003 (25% of ₦3,000,012), which is equivalent to a monthly rent of around ₦62,500.Sponsor details for students
If you are a student without a personal source of income, you can provide a sponsor’s details instead. A sponsor is someone who will be financially responsible for your rent — typically a parent or guardian. You will need to provide the following information about your sponsor:| Field | Notes |
|---|---|
| Sponsor full name | Surname first. |
| Relationship to sponsor | e.g. Father, Mother, Uncle, Guardian. |
| Sponsor phone number | Valid Nigerian mobile number. |
| Sponsor occupation | Business Owner, Employed, or Other. |
| Sponsor residential address | Where the sponsor lives. |
| Sponsor work address | Where the sponsor works. |
| Sponsor date of birth | |
| Who will pay the rent? | Parent / Guardian, Student (Self), or Other. |
| Sponsor valid ID | Upload the sponsor’s NIN slip, International Passport, or Driver’s License. PDF, JPG, or PNG, maximum 5 MB. |
| Sponsor proof of income | Bank statement or salary slip showing the sponsor’s income. PDF, maximum 5 MB. |
When a sponsor is provided, the affordability check (annual rent ≤ 25% of annual income) is applied to the sponsor’s income and is verified by the Shelta team during KYC review, rather than being calculated automatically during application.
Step 3: Occupancy details
This section helps property managers understand how you intend to live in the property.| Field | Options |
|---|---|
| Will you be occupying alone? | Yes, alone / No, with others / Not sure yet |
| Regular overnight visitors? | Yes / No |
| Do you have pets? | Yes / No |
| Agree to house rules | You must confirm that you agree to abide by the property’s house rules and Shelta’s tenancy guidelines. |
Step 4: Declaration and terms
Read the declaration carefully. By submitting, you confirm that:- All information you have provided is accurate and complete.
- You consent to Shelta Asset processing your personal data for tenant verification and tenancy management.
- You understand that Shelta Asset may verify your information with third parties, including financial institutions and government agencies.
After you submit
Once you submit your KYC form:- Your status changes to Submitted.
- You receive a confirmation email from Shelta Asset.
- The Shelta team reviews your submission within 2–3 business days.
- You receive an email once a decision has been made.
If your KYC is approved
Your dashboard status changes to Approved and you gain full access to:- Booking property inspections
- Submitting tenancy applications
- Signing lease agreements
- Making payments
If your KYC is rejected
Your dashboard will show a Rejected banner with the reason provided by the Shelta team. Common reasons include illegible documents, mismatched names, or insufficient proof of income. To resubmit:- Go to Dashboard → KYC.
- Review the rejection reason shown on the page.
- Correct the relevant fields or upload better documents.
- Submit the form again.
You can resubmit your KYC as many times as needed, as long as your status is not already Approved. Once approved, your KYC cannot be edited.