An investment note is a financial instrument that represents an investment made by an Investor into a financing campaign on the BR Capital platform.

On BR Capital, investment notes are used to facilitate financing between Investors and Issuers, where Investors provide funds and receive returns in the form of interest or profit payments.

Both conventional and Islamic investment notes are defined under the Capital Markets & Services Act 2007, as summarised below:

Conventional Investment Note

A conventional investment note refers to any contract, agreement, note or other document evidencing a monetary loan, executed or offered on or through an electronic platform, where an investor expects a financial return.

It does not include:

• any right, option or interest in respect of such contract, agreement, note or document;
• a cheque, banker’s draft, bill of exchange or letter of credit;
• a banknote, guarantee or insurance policy; or
• a statement, passbook or other document showing balances in a current, deposit or savings account.

Islamic Investment Note

An Islamic investment note refers to any contract, agreement, note or other document evidencing undivided ownership or investment in assets that comply with Shariah principles endorsed by the Shariah Advisory Council of the Securities Commission Malaysia.

These are executed or offered on or through an electronic platform where an investor expects a financial return.

It does not include:

• any right, option or interest in respect of such contract, agreement, note or document;
• a cheque, banker’s draft, bill of exchange or letter of credit;
• a banknote, guarantee or takaful policy; or
• a statement, passbook or other document showing balances in a current, deposit or savings account.