Supervest note products are designed for accredited investors who want rate visibility and a defined timeline. The path is simple:
(1) compare current offerings,
(2) complete onboarding and e-sign,
(3) fund before the cutoff,
(4) accrue and get paid per the stated schedule,
(5) monitor statements until maturity. All specifics (coupon, frequency, minimums, cutoffs) are governed by the offering documents you select.
Why investors choose note products
- Defined terms: Each note specifies coupon, payment frequency, and maturity.
- Rate visibility: You know the stated coupon upfront (per the offering).
- Cash-flow planning: Many notes pay monthly, making budgeting simpler.
Important: Always rely on the offering documents for the exact rules on accrual, payment dates, fees (if any), minimums, and maturity.
What you’ll see when comparing notes
When you review available notes you’ll typically see:
- Coupon / Rate: Fixed annual percentage.
- Term / Maturity: Often 12–36 months.
- Payment Frequency: Commonly monthly or quarterly (confirm in docs).
- Minimum Investment: The smallest amount accepted.
- Funding Cutoff: The deadline funds must arrive to start in the current cycle.
- Documents: Subscription agreement and disclosures—the governing terms.
Step-by-step: from interest to first payment
1) Compare current offerings
Shortlist by coupon, maturity, payment frequency, and minimums. Align terms to your upcoming cash needs; longer terms may offer higher coupons but reduce flexibility.
2) Confirm eligibility and complete onboarding
Supervest notes are for accredited investors. You’ll complete KYC/AML and accreditation (e.g., documentation of income or net worth, or a third-party letter). Investing via an entity may require entity documents.
3) Read the offering documents (don’t skip)
Confirm the coupon, frequency, day-count (if stated), accrual start rules, funding instructions/cutoffs, maturity date, and servicing/reporting cadence. Review risk factors carefully.
4) E-sign your subscription
Submit investor info, confirm allocation, and execute the subscription agreement. You’ll receive formal funding instructions and the applicable deadlines.
5) Fund before the cutoff
Send funds (typically bank ACH transfer/wire) before the stated cutoff. Your subscription becomes effective as outlined in the documents once accepted and funded.
6) Accrual and payments
Accrual begins as specified (e.g., on a cycle date of 1st or 15th of a given month). Payments follow the schedule in the documents (often monthly or quarterly on a defined calendar day).
Illustrative timeline (example only):
- Funds received: Nov 5 (before cutoff)
- Accrual begins: Nov 15th (per docs)
- Payment schedule: Monthly, paid on the 15th for prior period
- First payment: Dec 15 (covers November accrual per basis)
7) Statements and dashboard
Expect periodic statements and/or a dashboard with: principal, accrued/paid interest, next payment date, and maturity.
8) Maturity and principal return
At maturity (subject to the offering), remaining principal is due as described. If renewal or reallocation is available, you’ll receive instructions ahead of time.
What determines your first payment date?
- Funding cutoff: Missing it can push accrual to the next cycle.
- Acceptance date: Your subscription must be countersigned/accepted.
- Accrual convention: cycle start date either 1st or 15th of each month.
- Frequency: Monthly or quarterly depending on the offering.
Simple cash-flow illustration (hypothetical)
- Allocation: $100,000
- Coupon: 15.0% fixed (annual)
- Frequency: Quarterly
- Approx. Quarterly interest (simple): $3,750 (= 100,000 × 0.15 ÷ 4)
- Term: 12 months → ~$15,000 before taxes; principal due at maturity per the offering.
Actual results depend on the specific note’s documents, timing, day-count, and any reinvestment rules.
Common mistakes to avoid
- Funding after the cutoff → track the calendar and wire early.
- Assuming terms → payment dates and accrual rules are in the docs.
- Using short-term cash → notes are commitment instruments; match your horizon.
- Ignoring minimums/increments → confirm your allocation meets requirements.
Quick start checklist
- ☐ You’re accredited
- ☐ You compared live offerings and read the documents
- ☐ You e-signed the subscription
- ☐ You funded before the cutoff
- ☐ You noted your first payment date and maturity
FAQs
When does interest start?
Per the offering’s accrual rules—commonly on a set cycle date of the 1st and 15th of each month
How often are payments made?
Varies by offering (often monthly or quarterly). See the payment calendar.
Can I exit early?
Notes are generally designed to be held to maturity. Any early liquidity (if available) would be defined in the documents.
What are the minimums?
Published with the offering and in the documents.
Who do I contact with questions?
Use your investor portal contact or the published support channel in the documents.
Ready to begin?
Compliance & Disclosures
For accredited investors only. This content is informational and not investment, legal, or tax advice. All investments involve risk, including loss of principal. Actual terms—including coupon, frequency, accrual, minimums, fees (if any), maturity, servicing, and investor rights—are governed solely by the offering documents. Review all materials carefully before investing.
