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CapBay is the financial intermediary officially appointed by SME Corp. Malaysia as the strategic implementation partner to manage and implement these programmes on their behalf. By leveraging our licensed Peer-to-Peer (P2P) financing platform, CapBay oversees the entire digital lifecycle, including application processing, credit assessment, and the disbursement of funds to eligible MSMEs. All financing activities are conducted in accordance with Securities Commission Malaysia (SC) regulations.

The initiative comprises three core programmes:

• Dana Pemangkin Penskalaan PKS: Drives transformation and empowers MSMEs to undertake high value-added activities in line with RMK13 goals.
• PKS@KSES BIAYA: An initiative under the PKS@kses programme designed to fund capacity-building, helping MSMEs penetrate domestic and international supply chains.
• PKSlestari: Encourages MSMEs to adopt ESG practices to enhance competitiveness and contribute to the nation’s sustainability goals.

• Term Financing
• Invoice Financing and Revolving Credit Facilities

• Dana Pemangkin Penskalaan PKS: RM35 million total, with RM20 million open to all eligible MSMEs and RM15 million specifically reserved for Bumiputera MSMEs (including those in Sabah and Sarawak).
• PKS@KSES BIAYA: RM5 million dedicated to enhancing export market access.
• PKSlestari: RM7.5 million allocated to support ESG-related activities.

Please note that all allocations are subject to the final receipt of funds and availability at the time of application.

Sector Exclusion:
Open to all legal business activities EXCEPT banking, insurance, real estate and the business of dealing in securities. Financing will also not be provided to businesses involved in tobacco, alcohol or intoxicating substances, gambling/betting/casinos, dangerous drugs or controlled substances (except licensed pharmaceutical activities), or activities detrimental to public health, public safety, national security, or environmental sustainability. 

Specific Programme Requirements:

• Dana Pemangkin Penskalaan PKS: Priority is given to high-growth industries, including smart agriculture, aerospace, electrical & electronics, medical devices, halal industry, oil & gas, biomass/biotechnology, and niche service sectors.
• PKS@KSES BIAYA: Exclusively open to the manufacturing and services sectors. A 3-year operating history is required, and the latest annual sales must be ≥ RM1 million.
• PKSlestari: Open to all sectors except banking, insurance, real estate and the business of dealing in securities.

• PKS@kses BIAYA: You must have a SCORE rating by SME Corp. Malaysia of 3-Stars and above.
• PKSlestari: You must complete the MSME ESG Assessment by SME Corp. Malaysia. 

• For Term Financing: Eligible MSMEs may apply from a minimum of RM50,000 up to RM1,000,000, with a tenure of up to 60 months.
• For Invoice Financing & Revolving Credit Facilities: Eligible MSMEs may apply up to RM1,000,000, with a tenure of up to 6 months.

• Dana Pemangkin Penskalaan PKS: Working Capital and CapEx for automation, Industry 4.0 tech (AI, robotics, IoT), R&D, product testing, digitalisation, branding, packaging, and IP registration.
• PKS@KSES BIAYA: Working Capital for export orders and CapEx for market research, compliance, overseas marketing, international logistics, product sampling, and export risk insurance.
• PKSlestari: Working Capital i.e. purchase of environmentally friendly raw materials/packaging and CapEx for energy-efficient machinery, solar/renewable energy, waste/water management, eco-friendly packaging, to manufacture green products, ESG audits (carbon footprint), reporting platforms and sustainability-related certifications (e.g. ISO, CBAM).

• Term Financing: A fixed profit rate of 3.5% per annum.
• Invoice Financing & Revolving Credit Facilities: A profit rate of 0.5% per month.

• Term Financing: A platform fee ranging from 3.5% to 5.0% of the financing amount is charged per disbursement, with the applicable rate determined based on the financing tenure.
• Invoice Financing & Revolving Credit Facilities: A platform fee of up to 1.25% of the invoice/financing amount is charged, along with a processing fee of a maximum of 0.3% or RM2,500, whichever is lower.

These fees cover the cost of the automated credit assessment and rapid disbursement.

• No more than three (3) repayment arrears throughout the financing period
• A minimum financing tenure of 36 months
• No early settlement, restructuring, refinancing, or overlapping financing
• Status of any outstanding loans under other SME Corp. Malaysia financing facilities (e.g. SLSME, BAP, DFI, SMEEF 2.0, SMERF, MBF, GEB, and other related schemes) will be taken into account
• A valid MSME Status Certificate must be held at the time of rebate application
• The company must not be involved in any ongoing legal proceedings, subject to case-by-case review
• The business must still be actively operating, based on a valid business premises licence
• Compliance with SME Corp. Malaysia’s annual performance assessments throughout the financing period
• Dana Pemangkin Penskalaan PKS only: Demonstrates business growth (increase in sales), workforce growth (increase in average employee wages), investment in technology, and/or market expansion (entry into new markets) 
• PKS@KSES BIAYA only: Must demonstrate a 25% increase in export sales OR entry into 2 new markets at the time of the rebate
• PKSlestari only: Achieves ESG-related outcomes based on the components and purpose of the financing applied, e.g. reduction in energy consumption/carbon emissions/water consumption/waste, obtaining ESG-related certifications, successful completion of ESG-related audits, or reduction in manual handling hours

*It is also subject to assessment by SME Corp. Malaysia for approval and determination of the rebate rate.

• Term Financing: Applications are open from 16 March 2026 until the allocation is fully utilised.
• Invoice Financing & Revolving Credit Facilities: Applications are open from 1 July 2026 until the allocation is fully utilised.

Both are subject to the availability of funds.

• WhatsApp: +60 11 1700 0385
• Email: [email protected]