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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.

Invest Now

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.

Get Financing Now

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 2024 and 2023, CapBay is proud to be the only Malaysian company listed both years, standing with fintech giants such as PayPal and Stripe.

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

RM4000M

Total Funded

2000+

Underserved SMEs

30000+

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.

Nor Hazimi Khatmaradzi

Director

“CapBay is one of the best decisions I made as my business financial solution. They understand my situation and tailor-made the solutions to my needs. Their process is fast and easy to follow. I definitely recommend choosing CapBay.”

Mandy Leong

Managing Director

“Our company revenue grows significantly with CapBay financing offers. They act fast and friendly, I strongly recommend CapBay's trustworthy services to SMEs.”

Desmond Tan

Director

“CapBay's financing solutions helps improve company's cash flow. It gives added advantage for better pricing with cash payments. Meanwhile, the online platform is user friendly and straightforward.”

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