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Please beware of any phishing and fraudulent activities that are impersonating CapBay and its group of entities such as Bay Smart Capital Ventures Sdn Bhd, Bay Commercial Services Sdn Bhd and Bay Supply Chain Technology Sdn Bhd. Learn More

Investors

We help individual & institutional investors build the perfect portfolio by investing in financing notes that are backed by trade receivables. An asset class with high yields and low volatility.
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Businesses

We provide SMEs access to a range of smart supply chain SME financing solutions, including SME loan options such as purchase order financing, invoice factoring, inventory financing, and working capital financing.
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Partners

We produce tremendous value for financial institutions, asset managers and financial advisors. Be a partner and help institutional clients unlock cash flow or new investment opportunities.
Partner Now

An Award Winning Supply Chain Finance Company

Recognised by CNBC and Statista as a one of the World’s Top Fintech Company in 2025, 2024 and 2023, CapBay is proud to be the only Malaysian company listed for three consecutive years, standing alongside fintech giants such as PayPal, Stripe, and Tencent.

Why CapBay

Technology-Driven

We invest heavily in AI technology development and data analytics. Adopting data-driven insights & other key industry-specific elements to generate sophisticated credit-scoring.

Trade-Related Assets

We facilitate the flow of capital into the real economy, ensuring that SME financing in Malaysia is seamlessly triggered by trade events.

Multi-Funder

We have an innovative open bank-independent structure and the ability to bring in additional peer-to-peer investors to cover a wide range of supply chain financing requests.

Financing Growth the Smarter Way

Easier

The investing & financing process is fast, simple and all done online

Faster

Quick approvals and set-up

Flexible

Innovative product solutions customised for your financial needs

Cost-effective

No hidden charges. Know all costs upfront and pay upon use only

Win-Win

Nation-building powered by the people and supported by institutions
RM5600M
Total Funded
2600+
Underserved SMEs
41000+
Transactions
20+
Industries
What Clients Say About Us

CapBay’s clients and their results are the best proof that our methodologies work. But we’ve also received numerous awards and praise from the media and our peers.

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Investing & SME Financing Articles from CapBay.