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This initiative is a strategic Government effort by the Ministry of Entrepreneur and Cooperatives Development (KUSKOP), through SME Corp. Malaysia, to expand access to financing for eligible Micro, Small, and Medium Enterprises (MSMEs). CapBay is the financial intermediary officially appointed by SME Corp. Malaysia to manage and implement the programme on their behalf. By leveraging our licensed Peer-to-Peer (P2P) financing platform, the programme aims to accelerate the distribution of capital to high-potential businesses in Malaysia.

Under this framework, the Government of Malaysia provides an interest incentive of up to 9% per annum, allowing eligible MSMEs to access financing at rates starting from 3% p.a. This is the enhanced Program Pembiayaan Khas untuk Perusahaan Milikan Cina (BERKAT), featuring expanded offerings and higher financing limits. All financing activities are conducted in accordance with Securities Commission Malaysia (SC) regulations.

Building upon the success of the previous phase, the enhanced BERKAT programme is now open to support eligible Malaysian Micro, Small, and Medium Enterprises (MSMEs). We’ve also expanded our financing facilities to offer higher limits of up to RM100,000 alongside competitive tiered rates to better support your business growth.

In our ongoing effort to ensure all Malaysian business owners have access to the right financial tools, we also want to highlight that this initiative runs parallel with other targeted strategic national programs. You may also explore the TERAJU i-WCPF programme for Bumiputera businesses, or SME Bank’s Skim Pembiayaan Vanigham Plus for Indian MSMEs.

• Thanks to the rebate of up to 9% per annum provided by SME Corp. Malaysia, eligible MSMEs can enjoy lower financing rates:

  • For RM30,000 financing: 3% p.a. net rate for a tenure of up to 24 months.

  • For RM50,000 financing: 4% p.a. net rate for a tenure of up to 24 months.

  • For RM100,000 financing: 4% p.a. net rate for a tenure of up to 12 months.

• There are no processing fees for RM30,000 financing.

• For RM50,000 and RM100,000 financing, the processing fee is 1% p.a..

• CapBay does not charge any platform fees for this programme.

Please note that only conventional financing is available under this programme.

The financing is designed for working capital purposes. You can use the funds for:

• Purchasing raw materials.

• Covering operational expenses, such as premise rental, employee salaries and wages, and utility bills.

To qualify, your business must meet the following criteria:

• Open to all Micro, Small, and Medium Enterprises (MSMEs)
• Registered with the Companies Commission of Malaysia (SSM), local authorities/district offices (for Sabah & Sarawak), or relevant statutory bodies for professional service providers
• In operation for at least 6 months
• Minimum annual sales of RM200,000
• Clean credit record (no adverse CCRIS/CTOS)
• Requires at least one qualified personal guarantor
• Open to all sectors except primary agriculture, finance, insurance, real estate, and securities.

Early settlement is subject to the terms and conditions of the Letter of Offer. Eligible companies are advised to consult CapBay before proceeding with any early settlement request.

We are accepting expressions of interest starting July 20, 2026. We will notify you via email once the full application form is available. Applications will remain open until the allocation is fully utilized.

Our review and approval process takes up to 14 working days, provided we have received all your complete documentation. Once you accept the offer and complete the acceptance documents, we will disburse the funds within 2 days.

You will receive a notification via email once your financing is approved. Our team may also contact you for further verification

For further information or any inquiries, please contact us at:

• WhatsApp: +60 15-4600 0942
• Email: [email protected]