Portal - Manage Investments (Live Bids, Historical Bids and Investments)
As an investor, you have the option to look at the applications that are available for live bidding (for more details on browse applications, click here), historical bids and investments.
1. To do this, on the portal select the Manage Investments option under the Marketplace menu:
2. This will direct you to the main Manage Investments page with three tabs at the top - Live Bids,Historical Bids and Investments (which will be described in more detail below):
3. The Live Bids tab will display all of the existing bids that are available to view and bid on:
A. The Asset Class icons on the top left, simply identify which asset class the applications are associated with:
The padlock icon 
is for the Unsecured Loan asset class while the leaf icon 
is for the Leasing asset class.
is for the Unsecured Loan asset class while the leaf icon is for the Leasing asset class. B. Just above the details of the application, there is a Show per page drop down list on the top right hand corner which has a selection that ranges between 10 - 100 and will display the number of pages based on applications that are available to bid on:
C. When the Less Details hyperlink is selected (also located in the top right hand corner), it will remove the details from the rate and term namely the From , To and For information and the closing date for funding:
D. The name of that link would have changed to More Details , and once selected, it will return those missing details:
E. When the Filter link is selected (on the top right hand corner next to Less/More Details, it will provide a screen with filter options that can be used:
You have the choice to filter using the following options:
Closing in
This has all of the time frames for the closing date (which ranges from 12 hours to 21 days).
Have insurance
This drop down list has three available options to choose from (All, Yes or No) and used to identify if the applicant has insurance.
Status
This drop down list has two available options to choose from (Active or Accepted) and used to filter by the application and listing status.
Application Number
If the application number for a loan application is known, then it can be added to the filter and searched for.
Customer Number
If the customer number for an application is known, this can also be added to the filter.
Amount from - to
You can enter the minimum and maximum amount (in $) that was requested for in the loan application amount.
Interest rate from - to
You can enter the minimum and maximum (in %) that was selected for the repayment interest rate.
Term from - to
You can enter the minimum and maximum (in months) that was selected for the loan application repayment term.
To clear what is in the filter or if you have filled in all filters and want to remove them, press the 
button located on the bottom right.
If you want to search through all applications with the filter options you have provided, press the 
button located on the far end of the bottom right.
button located on the bottom right.
If you want to search through all applications with the filter options you have provided, press the button located on the far end of the bottom right. F. For the list of applications, you can view details of the application which include:
- the reason why the borrower applied for a loan, who the application was listed by and the status of content (under the Purpose of Finance heading)
- the credit rating of the borrower identified with the icon 
to outline what the score is (under the Score heading )
to outline what the score is (under the Score heading ) - the amount the borrower is asking for, the rate for repayment they have selected and how long the loan will take to pay back (under the Amount, Rate & Term
- the progress of the money received from investors, how much of the amount has been funded, the status of the bid, how much you as an investor has bid and the rate (under the Funding Progress
- the status of the bid (identified by a tick or cross located on the bottom left hand corner to say if it is accepted 
or not 
)
or not ) - the view application link 
which will open the details of the application in the auction as well as the application number ( located on the bottom left hand corner). Details of the auction page is outlined in section H below.
which will open the details of the application in the auction as well as the application number ( located on the bottom left hand corner). Details of the auction page is outlined in section H below. - the 
button located on the bottom right hand corner that allows you to make changes to your bid (namely to add more to the current bid that you have made).
button located on the bottom right hand corner that allows you to make changes to your bid (namely to add more to the current bid that you have made). 
G. When the link next to Listed By (under Purpose of Finance ) is selected, it will open the Borrower’s Profile in a separate window. This provides an overview of the personal and financial details of the borrower and is considered useful from an investor’s perspective to see if the borrower would be an ideal recipient for a loan (namely to gauge the reliability of the borrower in regards to repayment). This will be described in more detail below:
The Personal Information section begins with a map on the left hand side outlining where the borrower currently resides and the accompanying information on the right hand side includes their Member ID in Clearmatch, their Gender (only if specified), the Age group they best associate with, their Occupation, their Property status and the City or Town they are located in. Directly underneath it will also show any previous finance agreements that the borrower has:
The Financial Information section has all of the relevant details taken directly from the application which includes the Monthly Expenses (how much is allocated for rent or mortgage and for any bills or recurring expenses), Employment Details (the occupation which should match what is showing above in the personal information section, employment status and how long the borrower has been with their current employer, any Existing Credit Facilities (any combined overdraft and/or credit card limits), Income (the range that the borrower falls under for their earnings, the DTI ratio, the surplus as an individual and the surplus when their partner is included) and Employment Income (the total amount per annum before tax and how often the borrower is paid):
If the 
button in the top left hand corner is selected, this will redirect you to the auction page.
H. The Auction page is considered a summary of all relevant information associated with the auction itself and will be described in more detail below:
button in the top left hand corner is selected, this will redirect you to the auction page.
H. The Auction page is considered a summary of all relevant information associated with the auction itself and will be described in more detail below: 
The first section shows what the loan is going to be used for (via Loan Type) and the padlock icon is confirmation that it is an unsecured loan. It will show the details of who the borrower is (when the link is selected, it will open the Borrower page outlined in section G above), the application number, the closing date of the loan (which includes the date, month, year and time) and the 
button has the same effect as selecting the link to the borrower.
It will also show the Reason why the loan is required, the total amount of the loan (which includes the setup fee taken by the finance company), the duration of time when the loan will be paid back (in months), the first payment date (the date, month and year), the frequency of the repayment method (fortnightly or monthly), the instalment amounts based on the preferred rate, the range of the interest rate (if it has increased), the credit score and any late payments if/when applicable:
button has the same effect as selecting the link to the borrower.
It will also show the Reason why the loan is required, the total amount of the loan (which includes the setup fee taken by the finance company), the duration of time when the loan will be paid back (in months), the first payment date (the date, month and year), the frequency of the repayment method (fortnightly or monthly), the instalment amounts based on the preferred rate, the range of the interest rate (if it has increased), the credit score and any late payments if/when applicable: 
4. The Historical Bids tab shows all of the applications that have been bid on but have closed (either as a result of being completed or cancelled). NOTE : all of the details from sections A- E (in section 3 above) are the same and and will be excluded from this section.
A. For the list of applications, you can view details of the application which include:
- the reason why the borrower applied for a loan (under the Purpose of Finance - who the application was listed by (also under the Purpose of Finance heading). Selecting this will open the borrower screen as outlined in section 3G above.
- the credit rating of the borrower identified with the icon 
to outline what the actual score is (under the Score heading)
- the amount being borrowed, the current rate and how long the repayment is for (under the Amount, Rate & Term heading)
the status of the bid, how much you as an investor has bid and the rate (under the Funding Progress heading)
to outline what the actual score is (under the Score heading)
- the amount being borrowed, the current rate and how long the repayment is for (under the Amount, Rate & Term heading)
the status of the bid, how much you as an investor has bid and the rate (under the Funding Progress heading) - the status of the bid (identified by a tick or cross located on the bottom left hand corner to say if it is still active 
). Selecting the link next to the symbol will open the auction screen as outlined in section 3H above.
). Selecting the link next to the symbol will open the auction screen as outlined in section 3H above. - the view application link which will open the details of the application in the auction as well as the application number ( located on the bottom left hand corner). Selecting this link will also open the auction screen outlined in section 3H above.
which will open the details of the application in the auction as well as the application number ( located on the bottom left hand corner). Selecting this link will also open the auction screen outlined in section 3H above. 
5. The Investments tab shows all of the applications that are active investments that you have bid on. NOTE : once again all of the details from sections A- E (in section 3 above) are the same and and will be excluded from this section.
A. For the list of applications, you can view details of the application which include:
- the reason why the borrower applied for a loan (under the Purpose of Finance heading)
- The finance amount, rate and term for the loan but also your investment amount, rate and term (under the Amount, Rate & Term heading)
- the current balance of the investment (under the Balance heading)
- the start date of the loan (under the Start Date heading)
- the maturity date of the loan (under the Maturity Date heading)
- the status of the investment 
( located on the bottom left hand corner)
( located on the bottom left hand corner) - the view hyperlink will open a separate screen with details of the auction and the number of the investment 
(also located on the bottom left hand corner). Clicking on this link will open the auction screen that is mentioned
- the 
button that allows you to search for fund account statements (located on the bottom right hand corner). Selecting this link will open the Statements page (more details about the statements can be seen here).
(also located on the bottom left hand corner). Clicking on this link will open the auction screen that is mentioned
- the button that allows you to search for fund account statements (located on the bottom right hand corner). Selecting this link will open the Statements page (more details about the statements can be seen here). 
B. The 
link next to the investment number will redirect you to the investment details (and will be outlined in more detail below):
link next to the investment number will redirect you to the investment details (and will be outlined in more detail below): 
The Investment Details screen will show the reason why the loan was requested, the investment number, the start and maturity date for the investment, the expected interest rate, the amount that has been invested, the rate and term as well as the balance. There are also buttons along the bottom left and bottom right corner which will open the operations associated with the function:
There are three tabs directly underneath the details which will provide more detailed information on the investment.
The Transactions tab will display all of the transactions that were made between the investor and the investment itself. The details include the Value Date (with the date, abbreviated month and year), the Type (the payment type that was used), the Amount (in $), the Balance (remainder of how much ), the Uncleared, the Arrears, and the Narrative (a description of the payment that was made and the reason why it is being used):
There is also a filter at the top that allows you to filter by the number of days (from the current day up to the last 120 days) and the transaction types.
At the bottom you can scroll through the list of transactions across different pages by clicking on the actual page number:
The Earnings Schedule tab will display all of the details associated with the . This includes the From and To Date, the opening balance, the instalment, the RM fee, the Net Payment, the Interest and the Closing Balance:
At the bottom you can scroll through the list of transactions across different pages by clicking on the actual page number, but you can also click on the Load More link which will show the next 7 pages NOTE : the First link at the beginning of the page numbers will change to Previous once the numbers are passed 7:
The Notes tab will display all of the notes that are associated with the investment (namely how much was invested for a listing, any bids that were placed and whether or not the bids were accepted):
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