Investing in a note
A note is a financing opportunity listed for investors. You commit available cash from Marketplace. Profit is not guaranteed.
Before you start
Your account must be approved and you must have completed a first successful deposit. You need enough available cash — cash that is not reserved or invested. If legal documents have been updated, the organisation owner must accept Updated legal documents before you can start a new investment. The existing account stays active.
Read the note card
Each listing shows the financing purpose, the published Grade, and how the listing is progressing.
The large figures are:
- Up to or Rate p.a. — the advertised annual profit rate for notes that run a tenure (how long the financing is meant to run, normally from disbursement). This is the annualised gross rate before the service fee if the note runs its full tenure. It is not a promise of what you will receive.
- Tenure — the listed tenure in days. After disbursement you may also see a maturity date.
Grade is the published MARC SME grade (SME-1 to SME-10). Lower numbers are stronger. See How issuer risk is graded.
Below the progress bar you see how much of the target is funded, the minimum percentage needed for funding to succeed, and how much is still open. Urgency copy such as 3 days left to invest follows the listing deadline on the card.
CashSouk can move that deadline later while the note is still open. Days left on the card then updates. Open View prospectus again for the latest Closing Date. If you already committed, that commitment stays in place and you keep the prospectus you acknowledged. You should receive Listing deadline extended in the portal bell and by email, and you may see Campaign Extended on Activity.
Open View prospectus before you commit. The prospectus is the disclosure for that note.
Invest
Select Invest. The dialog title is Invest. Enter an amount under How much would you like to invest?
The usual minimum is RM 100. If less than RM 100 remains on the listing, the minimum is that smaller remaining amount. The maximum is the lower of the remaining listing capacity and your available cash. The card states Invest any amount from the current minimum to the current maximum. Use the figures shown on the card.
Tick that you have read the prospectus, then select Review investment. On Ready to invest?, select Confirm investment.
What happens next
Confirming an investment reserves that cash — it is committed to the listing but is not yet an active investment. You cannot cancel a commitment.
The listing closes when it is fully allocated, or at the deadline shown on the listing. If the listing reaches its minimum at the deadline, funding succeeds. If it does not, funding is unsuccessful. Reserved cash is released back to your available cash and you are not charged. The portal may show Commitment released.
If funding succeeds, CashSouk still completes activation and disbursement before the note is serviced. You then follow the position under Portfolio. Disbursement is not automatic.
Returns
Profit is calculated for the days it actually runs, not as a guaranteed annual payout. A service fee is deducted from gross profit, not from principal. For the maths and settlement documents, see Returns and settlement for investors.
Common questions
Can I cancel after I confirm?
No. Once you select Confirm investment, the amount is reserved. There is no investor cancel control.
What if the listing does not fill?
If the note does not reach its minimum by the deadline, reserved cash returns to available cash. You are not charged.
Why did days left increase?
CashSouk may extend the listing deadline. Use the days left and prospectus Closing Date shown in the portal. If you already committed, that commitment stays in place, and you should receive Listing deadline extended in the portal bell and by email.
Why was I asked to accept legal documents again?
If the legal documents have changed, the organisation owner must accept them before a new investment. Your existing account and current investments remain in place.
What do Fully allocated and Closed mean?
Fully allocated means no capacity remains. Closed means funding has finished. Not funded means the listing did not meet its minimum.