How It Works
Three steps to your reward.
No registration. No complicated process. Introduce a qualifying client during the campaign period and earn automatically.
1
Identify a brand-new client
Look for SMEs with collateral — property or assets — needing working capital up to RM25M. To qualify for the reward, the client must have no existing financing facility of any kind with CapBay.
Property or asset-backed SMEs2
Submit your referral
Refer through your CapBay contact any time during the campaign. It needs to be submitted, approved, and disbursed by 31 March 2027.
Campaign period only3
Collect quarterly
Reward calculated on cumulative net disbursements. Paid within 14 working days after each quarter end. CapBay tracks and pays automatically.
3 payouts across the campaignEligibility & Qualifying Criteria
Who can participate — and what makes a referral count?
Who Can Participate
✓
Existing & new CapBay referral partners
✓
Malaysian tax resident, registered as an introducer under CapBay's referral programme
✓
Auto-enrolled if you're already a referral partner — no extra registration needed
This reward doesn't touch your existing profit-sharing — it's paid on top.
Not eligible
Government bodies, GLCs, GLICs, and corporate partners with formal partnership agreements.
What Makes a Referral Count
✓
Referred client has no existing facility with CapBay — not just Secured Financing, any facility at all
✓
A Secured Financing facility that meets CapBay's standard eligibility criteria
✓
Referral submitted within the Campaign Period
✓
Financing application approved during the Campaign Period
✓
At least one disbursement made during the Campaign Period
Common mistake to avoid
Client already has working capital or invoice financing with CapBay? They can still be onboarded for Secured Financing. But you won't earn the 0.5% reward for it — they're not a completely new client.
Rewards are non-transferable. CapBay may vary or withdraw the campaign at any time.
Earn Calculator
See how much you could earn.
Drag the slider to estimate your additional reward. The 0.5% rate applies on cumulative net disbursements per referred client, capped at RM10,000.
Live reward estimator Interactive
Disbursement amount RM 1,000,000
RM 100KRM 5M
Your additional reward
RM 5,000
0.5% × RM 1,000,000
This reward is on top of your existing profit-sharing, with a maximum bonus of RM10,000 per referred client.
The campaign reward pool is capped at RM200,000 and will be awarded on a first-come, first-served basis until it runs out.
The campaign reward pool is capped at RM200,000 and will be awarded on a first-come, first-served basis until it runs out.
Scenarios
QuarterReward (0.5%)CumulativePayable
Q1RM 2,500RM 2,500RM 2,500
Q2RM 5,000RM 7,500RM 5,000
Q3RM 5,000RM 12,500RM 2,500 (Capped)
Good to know: Rewards are paid quarterly — you don't have to wait until campaign end. CapBay calculates and pays automatically.
Secured Financing Product
What to look for in a referral.
CapBay's Secured Financing finances SMEs against collateral. High-value facilities mean higher rewards for you.
Up to RM25M
Financing amount per client
As low as 8% p.a.
Financing charges
Up to 200%
Of property or land value
Collateral-Based
Unlock working capital from existing assets
FAQ
Got questions?
Everything you need to know about the Secured Financing Rewards Campaign.
When will I receive my campaign reward?+
Campaign rewards will be paid on a quarterly basis within 14 working days after the end of each quarter — 30 September 2026, 31 December 2026, and 31 March 2027 — after CapBay has verified all qualifying referrals, approvals, and disbursements.
Is there a limit to the number of clients I can refer?+
Yes — refer as many clients as you like, each worth up to RM10,000. But the total reward pool is capped at RM200,000, given out first-come, first-served by disbursement timestamp. Once it's gone, the campaign ends.
What happens if a referral is submitted before 1 July 2026 but gets approved during the campaign?+
The referral will not qualify for the additional campaign reward, as only referrals submitted during the Campaign Period (1 July 2026 – 31 March 2027) are eligible.
My referred client already has a working capital or invoice financing facility with CapBay — do I still get the reward?+
No. The client can still be onboarded for Secured Financing, but since they're already a registered CapBay client, they don't count as a new referral for this campaign. The 0.5% Campaign Reward only applies when the referred client has no existing facility with CapBay of any kind — this includes working capital and invoice financing, not just Secured Financing.
How do I know if my referral has been successfully registered?+
We will send you an official confirmation once your referred client's financing facility application has been successfully approved by CapBay. The campaign reward will then be calculated and credited within 14 working days after the end of each quarter, provided the approved funds have been disbursed.
What happens if the client withdraws their application or the financing is not approved?+
Only referrals with approved financing and qualifying disbursement during the Campaign Period are eligible. Withdrawn, declined, or non-disbursed applications will not qualify.
Will this campaign affect my existing commission rate?+
Not at all. Your existing profit-sharing stays exactly the same — this 0.5% is a bonus on top.
What happens if my client draws down funds across multiple quarters?+
Your reward will be paid progressively based on each quarter's disbursement, up to the RM10,000 cap per client. For example: a 1st drawdown of RM1M earns RM5,000; a 2nd drawdown of RM500K earns RM2,500; a 3rd drawdown of RM1M would calculate to RM5,000 but only RM2,500 is payable as the RM10,000 cap has been reached.
What happens if a client's facility is approved during the campaign, but the first disbursement only happens after 31 March 2027?+
You will not be eligible for the additional 0.5% bonus reward. The approved financing facility must record at least one disbursement during the Campaign Period (1 July 2026 – 31 March 2027). However, your standard existing profit-sharing commission will remain unaffected.
Can I split or transfer my campaign rewards to another agent or partner?+
No. Rewards can't be transferred, exchanged, or assigned to someone else — they're paid directly to you as the referral partner on record.
Can a business partner or corporate entity register as a referral partner to claim this reward?+
Yes, as long as they're approved as an introducer under CapBay's referral programme. The only exclusions are government bodies, GLCs, GLICs, and corporate partners with a formal partnership agreement with CapBay.
Terms & Conditions
Campaign T&Cs
Please read the full Terms & Conditions before participating in the Secured Financing Rewards Campaign.
Read Full Terms & Conditions →By participating in this campaign, you agree to be bound by the full Terms & Conditions.
CapBay reserves the right to vary, suspend, or withdraw the campaign at any time without prior notice.