 The last category were required to first work on a Canadian farm for a time to prove that they had the capability to farm on their own, to have sufficient working capital to establish themselves, and to make a down payment of 20 per cent for land, stock, implements and buildings.Applicants for a loan were first investigated as to their fitness, moral character, assets and abilities.If they did not have sufficient farming experience, they could be asked to work on a farm first for a period, and until 1 May 1921 pay and allowances could be granted for such training, especially to men with families.