|
|
Whichever stage your business is in,
we have the right financing solutions to help you
Is your business experiencing cash flow difficulties from delayed payment terms?
- Invoice Factoring-i
Is your business in need of additional cash to operate and/or expand?
Eligibility
Here’s why you should finance with CapBay Islamic
We’re Shariah-compliant
Our SME financing solutions are regulated and governed by the requirements of Shariah law.
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.
We’re fast and simple
Our digitalised application and documentation process accelerates the speed of approval and disbursement of SME funds.
We’re technology-driven
Our strong data-driven insights generate sophisticated credit scoring ensure that your objective aligns with your business goals.
We’re secured
We use advanced encryption technology and exceptional security measures to keep your data and information safe.
Here’s why you should finance with CapBay Islamic
We’re Shariah-compliant
Our financing solutions are regulated and governed by the requirements of Shariah law.
We’re fast and simple
Our digitalised application and documentation process accelerates the speed of approval and disbursement of funds.
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.
We’re technology-driven
Our strong data-driven insights generate sophisticated credit scoring ensure that your objective aligns with your business goals.
We’re secured
We use advanced encryption technology and exceptional security measures to keep your data and information safe.
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
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 Bhd
Our strategic partners
Articles and Media Coverage
We are recognized within the Financial Industry
