Enjoy a free 90-day credit term. You pay only for what you ordered — nothing more.
Complete both forms to activate your facility· Takes about 10 minutes·
Built around your business, not a bank's schedule.
Zero cost for the first 90 days
Up to 120 days to pay
Need more time beyond 90 days? Extend your credit term up to 120 days through CrediBill’s BNPL platform at an affordable rate — giving you time to manage your cash flow needs.
RM50,000 pre-approved credit limit
Skip the wait — once activated, your credit is ready for instant use. Order what you need, when you need it, without the per-order approval process.
No paperwork, no branch visits
Everything is done digitally. Apply online, sign digitally, get activated in 5 working days.
Backed by CapBay.
Built for Malaysian businesses.
CrediBill is powered by CapBay, a licensed fintech that has been helping Malaysian SMEs manage their working capital since 2017.
RM5.6B
Disbursed by CapBay as of May 2026
2,600+
SMEs served by CapBay across Malaysia
SC licensed
CapBay is regulated by Securities Commission Malaysia
Four steps. Fully digital.
Step 1: Apply online
Complete an Application Form and a Buyer Service Agreement via a secure digital link. No physical paperwork, no branch visits required.
Step 2: Approved within 5 working days
CrediBill reviews your application. Once approved, your RM50,000 credit facility is activated and you’re ready to order.
Step 3: Order as usual
Order pharmaceutical and healthcare products through your existing Pharmaniaga account.
Step 4: Pay flexibly
Pay within 90 days at zero cost. If you need more time, extend up to a total of 120 days through CrediBill at an affordable rate.
WhatsApp us if you need any assistance +6018 2828 651
Ready to free up your cash flow?
Unlock your RM50,000 limit in 10 minutes. Complete two simple, fully digital forms to activate your account today
Frequently Asked Questions
CrediBill is a BNPL platform to streamline the billing process for suppliers and making it easier for buyers to obtain flexible credit terms and credit limit.
VIDEO LINK PLACEHOLDER
No, the standard 90-day term is entirely free of cost and you only pay for the items you order.
Fees would only apply if you need to increase your credit limit beyond RM 50,000, request an extension past 90 days, or make a late payment.
A late payment charges (LPC) of 0.1% per day (equivalent to 36.5% p.a. effective interest rate) applies to the overdue amount for each day it remains unpaid.
Here is a quick example of how it is calculated:
- Overdue Amount: RM 1,000
- Invoice Due Date: 1 Jan 2026
- Payment Date: 6 Jan 2026 (5 days overdue)
- Daily LPC: RM 1.00 per day (0.1% of RM 1,000)
- Total LPC: RM 1.00 × 5 days = RM 5.00
You can extend up to 120 days total through CrediBill’s BNPL platform at an affordable rate. The applicable rates will be communicated during onboarding.
Approximately 5 working days from the time you submit both forms with complete details.
Two forms — an Application Form and a Buyer Service Agreement. Both are completed digitally via a secure link.
Yes. This programme is exclusive for all customers who are currently purchasing from Pharmaniaga.
