Building to solve a fundamental gap in finance

Welcome to endless Supply Chain Finance opportunities with our Multi-Bank solution

Our focus is to help responsible corporations optimise their working capital and provide businesses real-time technology to collaborate with a wider network of financial institutions to access financing opportunities, with a click of a button

How We Started

In 2016, we got together and realised that SMEs were facing the biggest difficulty over the past 3 years.

Large corporations extend payment terms to preserve cash flow but Suppliers face difficulties in raising more cash to finance the payment term extension.

After months of discussion with banks and regulators, CapitalBay was founded to solve the issue using a Multi-Bank Supply Chain Finance platform

Our Purpose

As a team, we are committed to helping our partners realise their full potential in implementing supply chain finance

Ang Xing Xian

Strategy and Tech

A disciplined risk-loving entrepreneur determined to improve the efficiency of our financial industry. Upon graduation on a scholarship, he found his passion for finance when he first started with Credit Suisse in London. He then went on to join MarketInvoice, the largest invoice trading platform in the UK and subsequently Creador, a leading private equity firm in Malaysia. Prior to CapitalBay, Xing Xian was a management consultant with Accenture, implementing strategies on technology and analytics for many major companies. Xing Xian graduated with an MSc in Computational Finance from Oxford University

Edwin Tan

Operations and Finance

A dedicated and meticulous perfectionist who is passionate about contributing to the development and growth of Malaysia. Upon graduation on a scholarship, Edwin served as a corporate finance advisor in Deloitte Touche Tohmatsu Sydney, where he advised clients on merger and acquisition deals, specialising in real assets and commodities. Edwin graduated with an MSc in Financial Economics from Oxford University

Dion Tan


An ambitious entrepreneur looking to ride the next growth phase in Southeast Asia. Dion is the group managing director of a leading property corporation in Malaysia. Prior to that, he served as a strategy consultant with Accenture, developing and implementing strategies for property, media and other industries. Dion graduated with an MSc in Management with Information Systems and Innovation from the London School of Economics

Darrel Ang

Business Development

Investment banker turned entrepreneur with a diverse work experience in the financial sector and a passion to advance the FinTech space in Southeast Asia. Prior to his IB role in Credit Suisse Singapore, Darrel did regulatory work in Bank Negara Malaysia and financial services consulting at Oliver Wyman London. He executed several large IPOs and placements in Southeast Asia during his time at Credit Suisse, which is one of the top investment banks in the region. Darrel graduated with an MEng in Engineering, Economics, and Management from Oxford University
1Results, not Reports
CapitalBay was founded on the guiding principles to provide exponential value, not just reports - our solutions serve your business community. Our potential expands to delivering sustainable and highly scalable results - financially, socially, and economically
2Putting money where our mouth is
We engage in 'tied economics' arrangements with our clients that allows us to better align our financial incentives with our clients' outcome. Our people are passionate about creating bottom line results with our clients and our collaboration process is where the magic begins
3Collaborative principles
Binding traditional consultancy with new-age strategic leadership, CapitalBay's relationships with our clients grow beyond the typical handover stage of any project. We value our clients' trust and capital objectives, that is why we continuously work together to grow your results
4Next generation banking and financial tools
Redefining business solutions goes beyond traditional banking infrastructures, abiding to their rules, and risk and administrative policies. At CapitalBay, we only hire the best to help our clients stay ahead of the digitally disruptive world and leverage on the best-in-class tools to beat their competition
5Advanced Analytics, with financial objectives
Data can be complex to manage. At CapitalBay, we only present the most valuable business insights to help your business take greater advantage of the financial opportunities on our platform. We help our clients Simplify, Measure and Deliver
6Results Delivery and Inspire Success
More than 70% of the major change efforts typically fail. CapitalBay's approach to realising results is our difference factor in helping clients overcome the odds. Our approach to results delivery focuses on predicting, visualising, measuring and managing risks associated with the change from day one. The result: increasing the odds of success together with the support of CapitalBay's experts and dedicated partners within the client's organization focused on achieving it
7All Inclusive Solution
CapitalBay is not your ordinary FinTech startup. We bring a wealth of leadership and consultancy experience as well as our collaborative process to work with Buyers and Suppliers to maximise our efforts towards their goals from the bottom-up

Get in Touch


Bay Supply Chain Technology Sdn Bhd
C-05-01, 5th Floor, Block C, Wisma TT,
No. 1, Jalan PJS 8/15,
Dataran Mentari
46150 PJ, Selangor, Malaysia


[email protected]


+603 5623 8921


+603 5631 5288

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