SMEs that require short term financing like the notes we offer on our platform usually means that they require the funds quickly. It is also what differentiates P2P lenders from traditional financial institutions.

The time taken between a completed financing application to credit assessment, approval and finally acceptance can happen in the matter of days and often simultaneously together with other applications. 

SMEs could take minutes, days or weeks to accept a financing offer and once they do, we immediately publish the fact sheet for investors to review. We try as much as possible to give notice the day before crowdfunding so that you'd have time to top up your available balance. 

Although there is the option to exhaust your balance into a note, this leaves you with no balance to participate in other upcoming notes.

Hence, to avoid the hassle of rushing to deposit money into your investor account, or missing out on a good investment opportunity because of insufficient account balance, we recommend that you maintain a healthy available balance, especially since the Auto-invest 3.0 feature has been launched. 

For some investors who invest between $100 and $500 per note, we recommend a balance of at least $3,000 to ensure sufficient funds for the investment volume. For investors who invest between $500 and $1,000 per investment, a balance of at least $5,000 is recommended.  

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