What Is Invoice Financing ?

Are you tired of delayed payments from your customers? When you make a credit sale and you have to wait months to collect from your receivable, your pending bills can pile up, putting you in a financial crunch. Many SMEs go through this difficulty which eventually leads to cash flow problems. Get rid of tight cash flow situations by using invoice financing. 

We at CapBay offer Invoice Financing that provides up to 80% upfront cash based on your unpaid invoice amount.

Collect your receivables early and turn your credit sales to cash in a few days only!

  • No upfront fee.
  • No collateral required.
  • Approval as fast as 3 days.
  • Cost of financing as low as 0.8% per month.
Why CapBay

No Collateral

  • Our invoice financing program does not require collateral.
  • You won’t have to put your home or another type of asset on the line to qualify for financing


  • Pick and choose whichever invoices you want to finance and when.
  • Choose to pay off your financing anytime. No early payment penalty.

Faster & Simpler

  • Application is digital with fewer documents required compared to other financing providers.
  • Approval time is as fast as 5 days

Industry Agnostic

  • Most factoring companies only finance government projects.
  • We are happy to finance all industries.

Zero Setup Fees

  • Transparent charging structure with no hidden fees.
  • No legal fees, stamp duties, application fees, commitment fees or handling fees is required

Digital Platform

  • Simple & easy to use dashboard.
  • View status and manage all your invoices through our digital platform.

You are a Malaysian registered business and have been in operation for at least 1 year;

Your business is majorly (>51%) owned by Malaysians;

You are providing services or goods to other Malaysian businesses on credit terms (B2B Business); and

You have mid-to-large size corporate(s) as customer(s) (private or public) OR you have an annual revenue of more than RM2 million.

How It Works
Refer a Business

Earn referral bonus of RM300

Do you know someone who could benefit from CapBay’s financing program? Simply get a new business to come onboard and we’ll reward you.
  • Fill up the Referral Form below
  • A friendly expert will reach out to the referred person to see if CapBay is a good fit
  • You’ll be rewarded with RM 300 for every successful referral
  • Malaysian registered company;
  • At least 1 year in operation;
  • Have mid-to-large corporate customers; and
  • Not in liquidation or insolvent.