Who this guide is for
Accredited investors who want a clear, friction-light process to move from interest to funded allocation—without missing key timing windows.
Note: This is general education. Your rights, obligations, and timelines are defined solely by the offering documents for your selected note.
Step-by-step playbook
Step 1: Explore current offerings
Visit /investments to compare coupons, maturities (e.g., 12–36 months), payment frequency (often monthly for 12M; quarterly for 24M/36M—confirm in docs), and minimums.
What to look for: coupon, term, payment schedule, minimum investment, funding cutoff window.
Optional screenshot: [Screenshot: Investments page with multiple note tiles showing rate, term, frequency]
Pro tip: If you want rolling cash-flow and flexibility, consider a note ladder (12/24/36 months).
Step 2: Confirm eligibility & start onboarding
Supervest note products are for accredited investors. You’ll complete accreditation verification and standard KYC/AML checks.
You may need: government ID, proof of accreditation (income, net worth, or third-party letter), entity docs if investing via an entity.
Optional screenshot: [Screenshot: Onboarding/verification checklist]
Step 3: Review the offering documents (don’t skip)
Download and read the documents for your chosen note.
Confirm: coupon, day-count basis, payment frequency, Effective Date/accrual rules, maturity date, funding instructions & cutoffs, servicing/statement cadence, risk factors.
Optional screenshot: [Screenshot: Offering document highlights with key terms annotated]
Step 4: E-sign your subscription
Complete the subscription agreement (and any required investor questionnaires), confirm your allocation amount, and submit.
Outcome: You’ll receive funding instructions and the relevant deadlines.
Optional screenshot: [Screenshot: E-signature confirmation page]
Step 5: Fund before the cutoff
Send funds via the method(s) specified (e.g., bank transfer/wire) before the funding cutoff listed in the docs.
Why it matters: Missing a cutoff can shift your participation to the next cycle and delay first payment timing.
Optional screenshot: [Screenshot: Funding instructions section with cutoff date circled]
Step 6: Accrual & first payment timing
Interest begins to accrue on the Effective Date as defined in the offering documents. Payments are distributed on the stated schedule (often monthly for 12M; quarterly for 24M/36M).
Illustrative timeline (example only):
- Funding received: Nov 5 (before November cutoff)
- Effective Date (per docs): Nov 15
- Payment schedule: Monthly on the 15th for the prior period (12M example)
- First payment: Dec 15 (covers the November accrual per the offering’s basis)
Optional screenshot: [Screenshot: Payment calendar highlighting first payout]
Step 7: Monitor statements & dashboard
Track principal, accrued/paid interest, upcoming payment dates, and maturity.
Optional screenshot: [Screenshot: Sample monthly statement view]
Step 8: Maturity & next steps
At maturity (subject to the offering’s terms), remaining principal is due as described in the documents. If renewals or new allocations are available, you’ll receive instructions.
Decision point: Reinvest (extend your ladder) or take cash for planned expenses.
Timing checklist (pin this)
☐ Accreditation/KYC complete
☐ Offering documents read & saved
☐ Subscription e-signed
☐ Funding sent before cutoff
☐ First payment date noted on your calendar
☐ Maturity month flagged for reinvest/withdraw decision
Common pitfalls (and easy fixes)
- Funding after the cutoff → Add reminders 3–5 business days before deadlines.
- Assuming payment dates → Always confirm Effective Date and the payment calendar in the docs.
- Using short-term cash → Match the note’s term to your horizon; consider a ladder for flexibility.
- Overlooking minimums → Ensure your allocation meets minimum and increment requirements.
- Skipping documentation → Your protections and timelines live in the offering documents.
FAQs
How do I know when interest starts?
The offering documents specify accrual rules. Interest starts on the Effective Date; your first payment arrives on the next scheduled pay date after accrual begins.
How often are payments made?
Payment frequency is offering-specific. 12-month notes are often monthly; 2-year and 3-year notes are paid quarterly. See the payment calendar in the documents.
Can I exit early?
Notes are generally designed to be held to maturity. Any early exit mechanics would be governed strictly by the documents.
What are the minimums?
Minimums and increments appear on /investments and in the offering documents.
Who do I contact with questions?
Use /contact to reach a product specialist.
Compliance & disclosures
For accredited investors only. This content is for informational purposes and is not investment, legal, or tax advice. All investments involve risk, including loss of principal. Actual terms—including coupon, payment frequency, accrual conventions (Effective Date), minimums, fees (if any), maturity, servicing, and investor rights—are governed solely by each offering’s documents. Review all materials carefully before investing.
