- Malaysian-registered business (Sole Prop, Enterprise, Sdn Bhd)
- At least 51% Malaysian ownership
- Operating for at least 1 year
- Provides goods/services to other Malaysian businesses on credit terms (B2B)
- Serving mid-to-large corporations
Get early payments to fund operations & working capital needs
Financing up to
RM3 million
Profit rate as low as
1% p.m.
Financing margin of
80%
Tenure up to
120 days
One-off processing fee of
2.5%
Origination Fee per drawdown
1.5%
Eligibility
Here’s why you should finance with CapBay
Fast Approval
Receives financing as fast as 48 hours
Cash Flow Without Debt
Factoring isn’t a loan and won’t impact your balance sheet
Shariah-Compliant
Ethical financing, aligned with Islamic principles
Leverage on Customers’ Credit Strength
Approval is based on your customer’s creditworthiness, not yours
Start applying in a few easy steps
Step 1: Apply Online
Fill in the application form and submit your documents.
Step 2: Get Approved
We assess your application and provide an offer
Step 3: Receive Funds
Once you accept the offer, funds will be disbursed to your business account.
WhatsApp us if you need assistance +60 18-777 7000
Trusted across industries
The CapBay team is amazing at their job; they are very professional, easy to communicate with, and go above and beyond to fulfill our needs. They are also very responsive and guided us closely throughout the whole process. We would highly recommend CapBay - Excellent work team!
Puja Pushp
Human Resources Business Partner, Nityo Infotech Services Sdn BhdOur company revenue has grown significantly since we were introduced to CapBay’s financing solution. With CapBay’s fast and friendly team, we are confident to grow our business without worrying about our cash flow situation. I strongly recommend CapBay’s trustworthy service and solution to SMEs in need.
Mandy Leong
Managing Director, Chriszen Malaysia Sdn BhdCapBay’s Supply Chain Finance solution has greatly improved my company’s cash flow. In addition to fulfilling our immediate working capital needs, we leveraged on CapBay’s solution to offer the option of better pricing for customers who pay in cash. Their online platform is also user-friendly and straightforward.
Desmond Tan
Director, YME Engineering Sdn BhdFrequently asked questions:
Invoice financing is a cash flow solution that enables businesses to get advances on money owed by customers upon completion of goods or rendered services, without waiting for the long payment terms that can be from 30 days to 180 days.
Read our article to understand more on Invoice Factoring: What is it & How it works?
The financing tenure is up to 120 days.
CapBay will finance up to 80% of your invoice value. We are able to offer an invoice financing limit from RM1,000 (minimum) and up to RM3,000,000 (maximum). The tenure of the facility can range from 30 days up to 120 days.
- Processing fee: 2.5% of the approved facility limit (one-off)
- Origination fee: 1.5% of the financing amount per drawdown
Applying is simple:
- Check your eligibility – Ensure your business meets the minimum criteria.
- Submit your application – Complete the online form with basic business details.
- Get approval & receive funds – Fast processing with minimal paperwork.
- Company registration documents (SSM)
- Latest 6 months’ bank statements
- Latest financial statements (if available)
- NRIC copy of directors/guarantors
Generally, application processes may (from application to approval) take as quick as 5 business days and up to 2 weeks upon complete submission of documents required. To speed up your application process, start preparing your documents as early as possible.
For onboarded clients of CapBay, you will receive the advance cash as quick as 48 hours upon submission of invoices in our platform. For new clients, there will be an extra onboarding process which takes about five (5) working days.
Invoice Financing (Shariah): Subject to a late payment charge at the rate of 10% per annum
Invoice Financing (Conventional): Late payment interest at the rate of 0.1% per day
No, there are no penalties for early settlement. You can repay your financing early at any time.
Your business must:
- Be a Malaysian-registered business (Sole Prop, Enterprise, Sdn Bhd)
- Have at least 51% Malaysian ownership
- Operate for at least 1 year
- Provide goods/services to other Malaysian businesses on credit terms (B2B)
- Have mid-to-large corporations as customers
Yes, top-ups are allowed based on your repayment history and eligibility. Simply submit a request, and we’ll review your financing status.
You’ll receive a notification via email once your financing is approved. Our team may also contact you for further verification.
