With just 3% p.a.
Allocation Limited: First-come, first-served until RM30M is fully utilised.
*Terms and conditions apply.
Transparent financing, built for growth.
Unbeatable rates
Built for speed
Access up to RM30,000 —skip the traditional financing red tape with rapid disbursement.
Flexible terms
Manage cash flow comfortably with up to 2 years to repay.
Zero Collateral
Grow your business without the need to pledge any personal or business assets.
Zero upfront costs
Enjoy a full waiver on platform and processing fees for this programme.
- 51% Malaysian Chinese ownership
- Micro and Small Enterprise
- Entity Registered with the Companies Commission of Malaysia (SSM)
- Open to all legal business activities except primary agriculture, finance, insurance, real estate, and securities trading.
Modern 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:
- NRIC (Shareholders / Directors) – Front & Back
- SSM Registration
- Latest 6 Months of Bank Statements
- Company Stamp
- Completed Customer Due Diligence (CDD) forms for the company and individuals
*Additional documents may be requested for further verification.
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.
Email us at [email protected] or WhatsApp us if you need any assistance +60 18 282 8624
This initiative is a strategic government effort by the Ministry of Entrepreneur and Cooperatives Development (KUSKOP) through SME Corp. Malaysia to expand financing access for Chinese-owned Micro and Small Enterprises. By leveraging licensed Peer-to-Peer (P2P) financing platforms like CapBay, the programme aims to accelerate the distribution of capital to high-potential businesses across all legal sectors in Malaysia.
Under this framework, the Government of Malaysia provides a significant interest rebate of 9% per annum, allowing eligible Micro and Small Enterprise to access financing in Malaysia at an interest rate of just 3% p.a.. The programme utilises RM30 million in private funds to reduce the reliance on government capital while ensuring rapid disbursement to the micro and small business community. All financing activities are conducted in accordance with Securities Commission Malaysia (SC) regulations.
This programme offers invoice and working capital financing of up to RM30,000.00.
The scope of financing covers various business activities not limited to any specific sector, including:
- Purchase of Raw Materials.
- Operational Expenses (Premise Rent, Employee Salaries & Wages, Utility Payments).
To qualify for this special financing, your business must meet the following criteria:
- Equity Ownership: At least 51% of the firm’s equity must be owned by Chinese Malaysian citizens.
- Business Registration: Must be a registered Micro and Small Enterprise with the Companies Commission of Malaysia (SSM)
- Business Activities: Open to all sectors except primary agriculture, finance, insurance, real estate, and securities trading (priority given to high-growth industries)
According to SME Corp. Malaysia, your business classification is determined by your industry and meets either of the following criteria (on an “OR” basis):
1) Micro Enterprise (All Sectors)
- Annual Sales: Less than RM300,000
- Full-time Employees: Fewer than 5 employees
2) Small Enterprise
- Manufacturing Sector:
- Annual Sales: RM300,000 to less than RM15 million
- Full-time Employees: 5 to 75 employees
- Services & Other Sectors:
- Annual Sales: RM300,000 to less than RM3 million
- Full-time Employees: 5 to 30 employees
If your business qualifies under one category but exceeds the other (for example, your sales are “Micro” but your team size is “Small”), you are still officially classified as a Micro Enterprise for this program.
For more information, please refer to the SME Corp. Malaysia Guidelines.
Companies are not required to have a PMKS Status Certificate and undergo SCORE assessment.
The company must be in operation for a period of at least six (6) months.
While the standard interest rate for this P2P facility is 12% p.a.:
- Government Rebate: SME Corp. Malaysia provides a rebate of 9% p.a..
- Net Cost to You: Your business only pays a net interest rate of 3% p.a..
The financing tenure offered is up to 24 months.
This financing is not Shariah-compliant.
The review and approval process takes 5 to 7 working days once a complete application is submitted. After you accept the offer, and upon providing full documentation on acceptance, loan disbursement will occur within 2 days.
Applications will be open until the allocation is fully utilised.
You’ll receive a notification via email once your financing is approved. Our team may also contact you for further verification.
CapBay is the financial intermediary appointed by SME Corp. Malaysia to manage and implement the ‘Program Pembiayaan Khas Untuk Perusahaan Milikan Cina (BERKAT)’.
For further information or any inquiries, please contact CapBay:
- WhatsApp: +6018 282 8624
- Office: +6015-4600 0942 (General Office Line)
- Email: [email protected]
For more information, please contact us at: [email protected]