Factsheet Guide

Understanding a few key terms in a fact sheet

Melissa avatar
Written by Melissa
Updated over a week ago

Factsheet is a document for investors to go through before deciding whether to invest into each investment. There are a few key terms that you will need to know in a factsheet.

Note: Factsheet is only made available when it is in pre-funding and funding stage or when you have invested into that Note.

Issuer ID: ID given to identify a specific Note Issuer
Related Issuer ID: ID of another Issuer related to the Note Issuer
Financing ID: ID given to each Note also known as Note ID

Recommended Amount/Quantum: Total funding amount for the Note

Tenure/Term of Payment: The period or duration of the Note, where payments will be paid based on the duration (months or days)

Profit/Interest Rate: The profit or interest charged on Issuer per annum 

Effective Profit/Interest Rate: This figure takes into account the compounding effect of the profit/interest rate

Service Fee: Fee chargeable to the investment upon payment distribution to Investors

Net Profit/Interest Rate: Profit/Interest rate less Service Fee
Compensation/Late Interest Rate: Applicable charges in the event of late payment by Note Issuer


Note Grade: Based on our internal evaluation of the investment note, ranging from AA, A, BB, B, CC, C, DD, D, EE, E to F with AA being the highest rated.
SME Credit Score: This score is taken from an external Credit Rating Agency (CRA) report.

You may refer to the SME Credit Score and corresponding Probability of Default (PD) value table at the last page of the factsheet.

Business Nature: This describes what the Issuer’s company does which include the company sector or industry and type of services

Payment Behavior of financing record: This is the overall payment conduct by Issuer on their financing record which is based on the Central Credit Reference. You may refer to the last page of the factsheet for further elaboration on the overall conduct.

Guarantors’ Summary: This part describes the background of the guarantor(s) of Issuer company such as the position in the company, percentage of shareholding, payment behaviour of financing record.

Information and format of factsheets vary across different investment products. Please refer to respective note's factsheet for detailed information.

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