Keep more of your revenue. Access some of the most competitive rates in the market.
Allocation is limited. Funds are disbursed on a first-come, first-served basis.
*Terms and conditions apply.
Financing that powers your next move
3.5% p.a. Financing Rate
High-Volume Capital
Think bigger. Secure up to RM1,000,000 to fund your next major milestone.
5-Year Terms
Repay with confidence. Longer tenures designed to keep your cash flow healthy.
Minimal Collateral
Focus on expansion with minimal collateral requirements for qualified firms.
30% Exclusive Rebate
We reward your consistency. Earn up to 30% rebate for on-time repayments.
*Terms and conditions apply
Choose the right path for your business
For more information on the criterias, please refer to the respective links:
- Micro, Small and Medium Enterprises (MSME)
- Must be registered with SSM
- Must possess a valid MSME Status Certificate by SME Corp. Malaysia
- At least 60% local equity (for Bumiputera, at least 51% equity)
- Hold a valid business licence from your Local Authority (PBT)
- Has been operating for at least 12 months from the date of application (3 years for the PKS@kses BIAYA)
- No blacklisting in CCRIS/CTOS
- Priority is given to MSMEs with a good track record / performance with financial institutions
- Open to all legal business activities except banking, insurance, real estate and the business of dealing in securities
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 process takes 7 to 14 days after a complete application and all required documents are successfully submitted.
Apply in just 3 steps
Step 1: Submit Your Application
Fill in the application form and submit your documents.
Required Documents List:
- NRIC (Directors / Shareholders)
- Valid PBT business licence
- Valid MSME Status Certificate by SME Corp. Malaysia
- Latest 6 months bank statements
- Latest 3 years’ audited financial statements / management accounts
- Business Premise & Business Owner Photo
- Completed Customer Due Diligence (CDD) forms for the company and individuals
- SCORE Assessment Report by SME Corp. Malaysia (for PKS@kses BIAYA programme)
- MSME ESG Assessment Report by SME Corp. Malaysia (for PKSlestari programme)
*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 11 1700 0385
Frequently Asked Questions (FAQ)
This is a strategic government initiative by the Ministry of Entrepreneur and Cooperatives Development (KUSKOP) through SME Corp. Malaysia. It is designed to accelerate capital distribution to high-potential Malaysian MSMEs through CapBay to drive innovation, exports, and sustainability.
- Dana Pemangkin Penskalaan: Drives MSME transformation in line with RMK13 goals, empowering firms to undertake high value-added activities.
- 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.
The total fund allocation is distributed as follows:
- Dana Pemangkin Penskalaan: RM35 million total, with RM20 million open to all eligible MSMEs and RM15 million specifically reserved for Bumiputera enterprises (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.
All three core RMK13 financing programmes—Dana Pemangkin Penskalaan, PKS@kses BIAYA, and PKSlestari—are primarily Shariah-compliant. Please note that a specific allocation is reserved for conventional financing under Dana Pemangkin Penskalaan programme. Kindly contact our sales representatives for further details.
General Eligibility:
All applicants must be Micro, Small and Medium Enterprises (MSME) registered with SSM and their Local Authority (PBT), holding a valid MSME Status Certificate by SME Corp. Malaysia. A minimum of 60% Malaysian equity is required (51% for Bumiputera funds under Dana Pemangkin Penskalaan programme). Applicants must maintain a clean financial standing with no CCRIS or CTOS blacklisting.
All applicants must be Micro, Small and Medium Enterprises (MSME) registered with SSM and their Local Authority (PBT), holding a valid MSME Status Certificate by SME Corp. Malaysia. A minimum of 60% Malaysian equity is required (51% for Bumiputera funds under Dana Pemangkin Penskalaan programme). Applicants must maintain a clean financial standing with no CCRIS or CTOS blacklisting.
Sector Exclusion:
Open to all legal business activities except banking, insurance, real estate and the business of dealing in securities.
Specific Programme Requirements:
- Dana Pemangkin Penskalaan: Priority is given to high-growth industries, including Aerospace, E&E, Medical Devices, Halal, Oil & Gas, Biotechnology, and Niche Services.
- PKS@kses BIAYA: Exclusively open to the Manufacturing and Services sectors. A 3-year operating history is required, and latest annual sales must be ≥ RM 1 million.
- PKSlestari: Open to all sectors except banking, insurance, real estate and the business of dealing in securities.
Yes. All applicants must hold a valid MSME Status Certificate by SME Corp. Malaysia. Beyond that, specific programmes have additional requirements:
- 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.
Eligible MSMEs may apply for financing from a minimum of RM50,000 up to RM1,000,000. The financing tenure offered is up to 60 months.
- Dana Pemangkin Penskalaan: 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).
The rate is fixed 3.5% p.a. for all programmes.
To provide a streamlined digital experience, a platform fee ranging between 3.5% to 5% is charged per disbursement, depending on the approved financing amount and tenure. This fee covers the cost of the automated credit assessment and rapid disbursement.
Eligible companies will be notified by us. A rebate up to 30% will be awarded once 70% of the principal has been repaid consistently on time.*
*Subject to assessment by SME Corp. Malaysia for approval and determination of the rebate rate.
- Good Paymaster: Maintain consistent, on-time payments (arrears must not exceed 3 instances).*
- Facility Integrity: Any early settlement, restructuring, or refinancing of the facility will disqualify you from the rebate.*
- Minimum Tenure: The minimum financing tenure to qualify for the rebate is 36 months, excluding any government-announced moratoriums.*
- 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, obtain ESG-related certifications, successful completion of ESG-related audits, reduction in manual handling hours.*
*Subject to assessment by SME Corp. Malaysia for approval and determination of the rebate rate.
Yes. The remaining 30% of the financing will be settled via a ‘write-off’ method. The approved rebate will be applied to offset your outstanding principal and profit balance, subject to the programme’s terms and conditions.
The review and approval process takes 7 to 14 days after a complete and accurate application is submitted. Once approved, funds will be disbursed to you within 3 working days after you accept the offer and submit the full acceptance documentation.
Applications open on 16 March 2026 and will remain 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 three (3) core RMK13 Financing Programmes: Dana Pemangkin Penskalaan, PKS@kses BIAYA, and PKSlestari. As the appointed platform, CapBay oversees the entire digital lifecycle, including application processing, credit assessment, and the disbursement of funds to eligible MSMEs.
For further information or any inquiries, please contact CapBay:
- WhatsApp: +60 11 1700 0385
- Office: +6015-4600 0942 (General Office Line)
- Email: [email protected]
For more information, please contact us at: [email protected]