CapBay and SME Corp. Malaysia Launch RMK13 Financing Programmes: Empowering MSMEs with a 3.5% Fixed Rate and Up to 30% Rebates
In a strategic move to accelerate the growth of Malaysian Micro, Small, and Medium Enterprises (MSMEs), CapBay has officially partnered with SME Corp. Malaysia to roll out a series of high-impact financing initiatives. Launched as part of the Thirteenth Malaysia Plan (RMK13), these programmes are under the mandate of the Ministry of Entrepreneur and Cooperatives Development (KUSKOP).
As the landscape for Malaysian businesses shifts toward high-value manufacturing, digital innovation, and ESG compliance, this partnership provides the essential liquidity needed to bridge the financing gap. With a competitive fixed profit rate of just 3.5% p.a. and an exclusive rebate of up to 30%, these RMK13 initiatives mark a major milestone in strategic collaboration between the government and the private sector for Malaysian MSMEs.
Innovative Financing Built for Growth
Unlike traditional financing facilities that often come with rigid requirements and long wait times, the RMK13 programmes via CapBay are designed for speed and transparency:
Unbeatable Rates: Benefit from a fixed rate of 3.5% p.a.
Performance Rewards: Receive up to a 30% rebate on your financing balance by meeting specific growth milestones or maintaining an excellent repayment track record.
Fast-Track Digital Approval: Leverage CapBay’s digital-first platform to complete your application online, with approvals processed within 7 to 14 days.
Substantial Capital: Access financing ranging from RM50,000 up to RM1 million with flexible tenures of up to 60 months.
The Three Pillars of RMK13 Financing
To cater to the diverse needs of Malaysian entrepreneurs, the initiative is divided into three core programmes:
1. Dana Pemangkin Penskalaan PKS (Growth & Innovation)
This programme is dedicated to SMEs in high-growth, high-value (HGHV) sectors such as Aerospace, E&E, Medical Devices, and Smart Agriculture. It provides the capital needed for:
Automation & Industry 4.0: Adopting AI, robotics, and IoT.
Innovation: R&D, product testing, and IP registration.
Working Capital: Scaling production to meet increasing demand.
2. PKS@kses BIAYA (Market Access)
Specifically designed for businesses ready to dominate domestic and international supply chains. This fund helps MSMEs:
- Strengthen export readiness and fulfill international orders.
- Finance marketing activities for global market penetration.
- Support manufacturing and services sectors with a minimum 3-year track record.
3. PKSlestari (ESG & Sustainability)
Sustainability is no longer optional. This programme encourages MSMEs to adopt Environmental, Social, and Governance (ESG) practices by funding:
- Energy-efficient machinery and solar panel installations.
- Waste management and water treatment systems.
- ESG audits and green certifications to future-proof your business.
Apply in Just 3 Simple Steps
CapBay’s seamless digital application process ensures that you spend less time on paperwork and more time growing your business.
Check Your Eligibility: Visit the CapBay RMK13 Portal and ensure you have a valid MSME Status Certificate and SSM registration.
Submit Documents: Upload your NRIC, 6 months of bank statements, latest 3 years of financial statements, and business license (PBT).
Receive Funding: Once approved, funds are disbursed rapidly to fuel your business journey.
Allocation is limited and distributed on a first-come, first-served basis. Don’t miss this opportunity to scale your business with the most competitive rates in Malaysia.
Click Here to Start Your Application Today
*The information provided in this article is based on the current tax laws and regulations at the time of publication. As tax laws and deadlines may change, it is advisable to consult with the Inland Revenue Board of Malaysia (LHDN) or a professional tax advisor for the most up-to-date and accurate information regarding your specific circumstances.
