A comprehensive financing solution combined with data analytics to help grow your business!

With the partnership between CapBay and SYCARDA, your business can now access comprehensive financing solutions along with cash flow management to accelerate your business’s growth. With no additional collateral required and a hassle-free application experience, unlocking cash flow trapped in the supply chain has never been easier!
RM2000M
TOTAL FUNDED
18000+
TRANSACTIONS
1200+
UNDERSERVED SMES
20+
INDUSTRIES
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Unlock working capital and grow your business!

Through our fast digital financing solution, you can now focus more on growing your business while not worrying about cash flow!

Facility Type:

Term Financing

Credit Limit:

Up to RM500k financing amount

Tenure:

Up to 3 years

Interest Rate*:

0.75% – 1.25% per month on the financing amount**

* subject to processing fees
** subject to product type and risk scoring

Cash flow management and Financing has never been easier

Fast and Simple

Our digitalised application and documentation process accelerates the speed of approval and disbursement of funds.

Flexible

We tailor our solution to the needs of your business so that you can focus on what is important, i.e. running your business.

Technology-driven

Our data-driven insights to generate sophisticated credit scoring ensure your objective aligns with your business goals.

Secured

We use advanced encryption technology and exceptional security measures to keep your data and information safe.

Eligibility Criteria

  • Registered business under SSM
  • At least 1 – 2 years of business record
  • Profitable business track record
  • Annual revenue > RM5 million
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Trusted across industries

Through our innovative fintech, we are dedicated to serve and support the underserved SMEs for a better tomorrow.