CapBay is a multi-award-winning supply chain finance and peer-to-peer financing platform that empowers underserved SMEs with convenient and affordable access to working capital. By combining financial expertise with advanced technology, we bridge the gap between businesses, funders, and institutions to unlock growth opportunities for SMEs.
Supporting SMEs has always been at the heart of what we do, but this mission became even more critical during the pandemic. As lockdowns disrupted cash flow and slowed growth worldwide, Malaysia’s SMEs faced unprecedented challenges in sustaining their businesses.
Now in a world of unprecedented changes juxtaposed against rapidly emerging technologies, the global SME financing gap remains, fueling our mission to bridge the gap by adopting advanced technology and industry expertise.
At CapBay, we saw this not only as a test of resilience but also as an opportunity to deliver on ideas we first shared as a MAS Global Fintech Hackcelerator Finalist in 2018. Since then, we’ve turned those concepts into real-world solutions, helping SMEs weather the crisis and thrive beyond it.
| Products and Services | Description |
|---|---|
| Inclusive Business Financing Solution | CapBay’s Supply Chain Financing offers quick and efficient financing that helps businesses free up cash trapped in their supply chain. CapBay has financed more than US$1 billion across 35,000 transactions and benefiting over 2,200 SMEs. Securing financing from us is fast and simple given our experience and track record in financing. Regardless of your company’s stage of development, we are able to offer precisely tailored financing solutions. |
| Cross Border Financing | Expanding beyond borders requires more than ambition—it requires reliable access to capital. CapBay’s cross-border financing solutions are designed to empower businesses across Southeast Asia to scale, trade, and collaborate with confidence. We help enterprises overcome funding gaps, and strengthen supply chain resilience through cross border financing catered to a business export and expansion needs. |
| CapBay P2P Invest | With CapBay P2P Invest, investors can effortlessly access investment opportunities tailored to their risk appetite capable of delivering robust net returns of up to 10% annually (post-fees) within brief tenures of up to 6 months. Our impressive track record includes funding over 13,000 transactions, worth over US$363 million (RM1.7 billion) across diverse industry sectors. |
| Enterprise Fintech Solutions: Digital Trade Finance Platform Solution Provider | With CapBay’s fintech expertise, we are disrupting the supply chain finance industry across Southeast Asia through our cloud-based digital supply chain finance platform. Our innovative solutions allow large corporations and banks to set up supply chain financing programmes that enable them to digitise their processes and streamline for efficiency. |
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