Unlock up to 90% of your contract value to fund large-scale projects easily.
Get the right financing for your business
Up to 90% advance margin
Competitive rates
Low profit rates and minimal fees with absolutely no hidden charges.
No collateral required
Secure funding based on your contract strength, no property or personal assets needed.
100% Shariah-Compliant
Shariah-compliant transactions are strictly governed by Islamic principles and ethical standards.
Financing solutions for every stage of your contract
- Work Order Financing: Secure upfront capital to cover mobilization costs the moment you receive a Work Order.
- Purchase Order (PO) Financing: Finance the purchase of raw materials or stock needed to fulfill customer orders.
- Invoice Factoring: Convert your outstanding invoices into immediate cash (up to 90% value).
- MET-i (Machinery & Tech): Up to 100% financing for equipment upgrades with zero drawdown fees.
- Catering & Cleaning Contracts: Specialized rates as low as 0.92% for Govt and GLC service contractors.
- Registered Business: Registered with Companies Commission of Malaysia (SSM).
- Malaysian-Owned: Minimum 51% local Malaysian shareholding.
- Established Operations: Business in operation for at least one year.
- Contract-Backed: Active Contract, SST, or PO with Government, GLCs, or accredited Private Companies.
- Shariah-Aligned: Core activities meet Shariah compliance standards.
Islamic financing you can trust
Regulated by the Securities Commission
We are an SC-registered Peer-to-Peer (P2P) Operator, ensuring the highest standards of transparency and security.
Trusted by 2,400+ SMEs
With over RM5 billion SME financing facilitated across 20 industries, CapBay has the scale to support your business growth.
Flexible Credit Assessment
We look beyond traditional scores to support high-potential businesses that others might overlook.
Fast Approval
The review and approval process takes 5 to 7 working days after a complete application is submitted.
Apply in just 3 steps
Step 1: Submit Your Application
Fill in the application form and submit your documents.
Required Documents List:
- A copy of the identity card of the proprietor/partners/company directors/major shareholders and guarantors
- Statutory Secretarial Forms (only for Berhad and Sdn Bhd)
- Form D (only for sole proprietorship and partnership)
- Audited Business accounts / management accounts
- Copy of your Company’s Bank statements of at least 6 months
- A complete profile of the company / business
- Registration with the Ministry of Finance, Contractor Services Centre (PKK) etc.
- A list of contract, supply or service works completed, in progress or being planned.
- A copy of the contract or work/purchase order to be factored
Step 2: Get Approved
Our team reviews your application and provides a tailored SME financing solution based on your business needs.Step 3: Receive Funds
Once you accept the offer, funds will be disbursed to your business account.
WhatsApp us if you need any assistance +60 11 1700 0385
Frequently Asked Questions
Yes, in addition to our conventional financing workflow, our platform has been certified by a recognised Islamic certification body to host Shariah-compliant SME financing solutions.
Shariah-compliant SME financing offered under CapBay’s P2P platform is based on the concept of Commodity Murabahah (via Tawarruq arrangement). Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser, while Tawarruq involves the purchase of assets or commodities on a deferred payment basis by way of Murabahah as the financing mode. CapBay also utilises Wakalah contracts to perform its role as an agent (wakil) that intermediates between issuers and investors in this platform, offering business financing solutions that align with Islamic principles.
We provide financing for active Contracts, Letters of Acceptance (SST), or Purchase Orders (PO) issued by the Government, GLCs, or accredited Private Companies.
You can secure a financing limit of up to RM5,000,000, with an advance margin of up to 90% of your contract value.
No. We pride ourselves on transparency. All profit rates and fees are disclosed upfront, with absolutely no hidden charges.
No. Our financing is based on your contract strength, meaning no property or personal assets are needed as collateral.
Yes. Unlike traditional financial institutions that often require a 3-year track record, we only require a minimum of one year in operation to be eligible.
You can receive your funds within 48 hours of full document submission, credit assessment, and final offer acceptance.
Yes. While our solutions are 100% Shariah-compliant and Riba-free, they are available to all eligible Malaysian-owned businesses regardless of religion.
For more details on our solution, check out other Frequently Asked Questions (FAQs) here.