Whichever stage your business is in,
we have the right financing solutions to help you

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Is your business experiencing cash flow difficulties from delayed payment terms?

  • Invoice Factoring-i
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Is your business in need of additional cash to operate and/or expand?

  • Bank Guarantee Financing-i
  • Letter of Credit Financing-i
  • Purchase Order Financing-i
  • Term Financing-i
  • Revolving Credit-i
  • Dealer Financing-i
  • Dealer Inventory Financing-i

Eligibility

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You’re a Malaysian registered business, with at least 51% local shareholding
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Your business has been operating for at least 1 year
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Your business is providing services or goods to other Malaysian businesses on credit terms (B2B)

Here’s why you should finance with CapBay Islamic

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We’re Shariah-compliant

Our SME financing solutions are regulated and governed by the requirements of Shariah law.
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We’re flexible

We customise our business financing solutions to fit the unique needs of each SME, so you can focus on what truly matters—growing and managing your business.
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We’re fast and simple

Our digitalised application and documentation process accelerates the speed of approval and disbursement of SME funds.
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We’re technology-driven

Our strong data-driven insights generate sophisticated credit scoring ensure that your objective aligns with your business goals.
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We’re secured

We use advanced encryption technology and exceptional security measures to keep your data and information safe.
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Here’s why you should finance with CapBay Islamic

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We’re Shariah-compliant

Our financing solutions are regulated and governed by the requirements of Shariah law.
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We’re fast and simple

Our digitalised application and documentation process accelerates the speed of approval and disbursement of funds.
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We’re flexible

We tailor our solution to the needs of your business so that you can focus on what is important, which is the running of your business.
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We’re technology-driven

Our strong data-driven insights generate sophisticated credit scoring ensure that your objective aligns with your business goals.
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We’re secured

We use advanced encryption technology and exceptional security measures to keep your data and information safe.
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Want to know more about CapBay Islamic? Read our Frequently Asked Questions (FAQ) here:

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.

For more details on our solution, check out our Frequently Asked Questions (FAQs) here

Trusted Across Industries

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Our strategic partners

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