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Smart Financing for Seamless Growth
Financing up to
RM150,000
Profit rate as low as
0.8% p.m.
Financing margin of
100%
Tenure up to
24 months
Eligibility
Private Limited Companies (Sdn Bhd and Berhad)
Registered in Malaysia with at least 51% local shareholders
Operating for at least 1 year
Here’s why you should finance with CapBay
Fast Approval
Receives financing as fast as 48 hours
No Collateral Required
Get financing without risking your assets
Shariah-Compliant
Ethical financing, aligned with Islamic principles
Newly Incorporated Sdn Bhd
SMEs that recently converted from a Sole Proprietorship to a Private Limited Company (Sdn Bhd) are eligible
Start applying in a few easy steps
Step 1: Apply Online
Fill in the application form and submit your documents.
Step 2: Get Approved
We assess your application and provide an offer
Step 3: Receive Funds
Once you accept the offer, funds will be disbursed to your business account.
Trusted across industries
The CapBay team is amazing at their job; they are very professional, easy to communicate with, and go above and beyond to fulfill our needs. They are also very responsive and guided us closely throughout the whole process. We would highly recommend CapBay - Excellent work team!
Puja Pushp
Human Resources Business Partner, Nityo Infotech Services Sdn BhdOur company revenue has grown significantly since we were introduced to CapBay’s financing solution. With CapBay’s fast and friendly team, we are confident to grow our business without worrying about our cash flow situation. I strongly recommend CapBay’s trustworthy service and solution to SMEs in need.
Mandy Leong
Managing Director, Chriszen Malaysia Sdn BhdCapBay’s Supply Chain Finance solution has greatly improved my company’s cash flow. In addition to fulfilling our immediate working capital needs, we leveraged on CapBay’s solution to offer the option of better pricing for customers who pay in cash. Their online platform is also user-friendly and straightforward.
Desmond Tan
Director, YME Engineering Sdn BhdFrequently asked questions:
Working Capital Financing helps businesses manage their daily operational expenses, such as purchasing raw materials, equipment, covering payroll, or expanding operations. It provides quick access to funds to keep your business running smoothly without cash flow disruptions.
Once approved, you’ll receive financing of up to RM150,000 with a flexible repayment plan of up to 24 months. Monthly instalments include a fixed profit rate as low as 0.8% p.m..
The financing tenure is up to 24 months, with fixed monthly installments.
Applying is simple:
- Check your eligibility – Ensure your business meets the minimum criteria.
- Submit your application – Complete the online form with basic business details.
- Get approval & receive funds – Fast processing with minimal paperwork.
- Company registration documents (SSM)
- Latest 6 months’ bank statements
- Latest financial statements (if available)
- NRIC copy of directors/guarantors
- Processing fee: 5% of the approved facility (one-off)
- Profit rate: 1% per month (0.8% p.m. for healthcare industry)
- No hidden charges
- Conventional: Financing rate + 0.1% (daily rest) on outstanding financing amount, due and payable at settlement
- Islamic: Financing rate + 10% per annum on outstanding financing amount, due and payable at settlement
Conventional:
- Within the locked-in period of 12 months: differential between total interest in the lock-in period (-) recognized interest as of early settlement date OR 5% on the outstanding principal, whichever higher
- After the locked-in period of 12 months: 5% on the outstanding principal
Islamic:
- No locked-in period: 5% on the outstanding principal of early settlement date (capped at unearned effective profit)
Your business must:
✔️ Be a Sdn Bhd or Berhad company
✔️ Be registered in Malaysia with at least 51% local shareholders
✔️ Have been operating for at least 1 year
Yes, top-ups are allowed based on your repayment history and eligibility. Simply submit a request, and we’ll review your financing status after 6 months.
You’ll receive a notification via email once your financing is approved. Our team may also contact you for further verification.
