Unlock a New Lifeline of Cash Flow for your Business: Say goodbye to your financing troubles.

The year 2020 had been the start of a new decade but little did we know that a pandemic was upon us. Since the implementation of the first Movement Control Order (MCO) on 18th March 2020, 907,065 Malaysian SMEs have struggled to survive through the tough time due to a lack of cash flow. They didn’t have sufficient financing to operate their business.

Long payment terms from clients coupled with the sharp decline in sales further challenge the liquidity position of businesses. However, the cash gap can easily be addressed by taking on additional financing. Businesses tend to go to the bank for financing but during these times, banks are often reluctant to provide financing. That is why you should turn to CapBay’s Invoice Financing solution to enable you to unlock more cash flow for your business.

Introducing CapBay’s Invoice Financing – Your new alternative financing friend

CapBay’s Invoice Financing solution is an optimal and flexible approach that helps to improve your business cash flow. With CapBay’s Invoice Financing solution, you can instantly get an upfront payment based on your invoice amount. You will no longer have to worry about the long payment terms from your customers and can achieve full control of your receivables without any worry!

Eligibility criteria for CapBay’s Invoice Financing solution

Getting financing should not be hard. To make financing easy, CapBay requires you to meet only a few simple criteria as follows to apply for our solution:

Your business provides services or goods to other Malaysian businesses on credit terms (Business-to-Business nature)
Your business has mid-to-large size corporation(s) as customer(s) (private or public);
Your business has an annual revenue of more than RM 2 million;
You are a Malaysian registered business (including sole proprietor, enterprise, partnership, and Sdn Bhd.);
Your business is majorly owned by Malaysians (more than 51%);
Your business has been in operation for at least 1 year.

*You may also get a quote from us even if you do not meet either one of the required criteria stated here. We can’t promise that we will be able to approve your application but we will consider your application, subject to a case-by-case basis.

Get in touch with us so we can help with your business financing needs.

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Get to know how CapBay can help to unlock a world of cash flow for your business.

1. Get maximum financing up to RM1,500,000

Our financing limit ranges from a minimum of RM 50,000 up to a maximum limit of RM 1,500,000. So, the bigger your invoice value, the larger your financing amount.

2. Leverage your sales for financing

Did you know that you can leverage your sales to unlock more cash flow? That’s right! CapBay’s Invoice Financing solution will not only enable you to bring quick cash into your business but it will also help you to avoid longer payment terms while reducing the probability of incurring bad debts. To obtain financing from us, you simply need to complete your sales order, submit your invoice, and we will give you an 80% upfront payment on your invoice instantly.

3. Superfast application process

Generally, applying for financing can be a daunting task due to the long and complicated process one has to endure. For example, banks typically take about 1-3 months to process an application depending on the complexity of the case. So, you have to wait a long time before you can get your funding disbursed. CapBay understands this and that is why your application with us will only take as much as 5 working days; provided that you have all your paperwork ready!

4. Receive upfront cash within 48 hours upon approval

Once you are onboarded into CapBay’s platform, we take just about 48 hours to disburse your funding in cash. It’s that easy!

5. Lowest service fees without any hidden cost

CapBay aims to contribute to SMEs’ growth by providing the cheapest financing solution. Hence, our service charges are lower and without any hidden costs so that you can afford to seek financing easily. Check out our fees below:

Platform Fee: 1.0% – 1.5% of invoice value
Discount Fee: 0.8% – 1.5% per month on financing amount (10%-18% p.a.)

6. No collaterals required

When you apply for financing, it can be difficult for you to arrange collateral(s) to get approval for your funding, especially if you are a relatively new business operating for only a few years. We provide financing based on your company’s reputation and your customer’s creditworthiness. So, you will not have to worry about collaterals when you seek financing from us.

7. Flexibility of financing

CapBay gives you full control to decide whether you would like us to finance all of your invoices or just a few selected ones. Unlike other factoring houses where you usually have to hand over full control of your sales invoice to get funding, which can hamper the relationship with your clients.

So, if you are selling goods to big clients on credit with large invoice amounts, you can opt for CapBay’s Invoice Financing solution to get an upfront payment on these large invoices. Our services include both notified and non-notified factoring. This means that you have the flexibility to choose whether you like to notify your buyers of your factored invoices or not.

Besides, CapBay’s Invoice Financing solution enables you to free up your working capital so that you have enough cash to pay your business operating expenses while catering to the needs of your other customers.

8. Flexibility of applying online

Financing applications can be super fast if you have the flexibility to send in all your documents and invoices online rather than physically visiting the finance providers multiple times.

With CapBay, you can swiftly apply for funding via online channel to speed up your application process. You can submit your invoices and even track your application status with just a few clicks from your laptop screen which is much more convenient.

9. Be a part of our Referral Programme to earn passive income

Put your business networks to good use by joining our Referral Programme to earn some extra cash. Currently, we have 2 Referral programmes for you:

Standard Referral Programme – For those who would like to refer a potential client on a one-time basis. We will reward you with RM 1,000 cash for every successful referral that transacts and becomes a successful paying customer on CapBay’s platform. Just fill out this form and refer your SME friends to us.

Introducer Programme – For those who want to refer clients to us on a recurring and long term basis. You will be rewarded in the form of a profit-sharing scheme for each referral. Interested? Just drop us an email at [email protected] and our Partner Specialists will provide you with more information.

With our Referral programme, you will be helping out SME Businesses in need, while earning passive income in the process.

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Conclusion

The new normal demands a new way of managing and financing your business. Use this opportunity wisely to turn your business around and maintain a healthy cash flow at this time. Drop us a message today and say good-bye to your financing troubles.

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