Seize Every Opportunity to Grow with Smart Financing
Discover short-term business financing options you never knew existed to help finance your rapid growth smarter without all the hassle.

Transparent Pricing

We have a simple cost structure, you know what you truly pay for with no hidden or commitment fee

Flexible Financing

We offer flexible repayment options with no early payment penalty


Businesses do not have to offer any asset or pledge collateral to borrow against
Innovative Products Offered

Invoice Financing

Turn Invoices into Immediate Cash at a Small Discount
  • Are you waiting for payments from your customers after delivery of goods or services?
  • You can turn your receivables into immediate cash with our invoice financing program

Purchase Order Financing

Financing to help you complete your order
  • Are you looking for financing to complete a purchase order from your customer?
  • You can finance the purchase order with our purchase order financing program

Inventory Financing

Financing to purchase inventory
  • Are you expecting a seasonal sales spike and is in need to stock up your inventory?
  • You can finance your purchase of stock with our inventory financing program
Why CapitalBay

Lightning Fast

Hassle-free application and easy set-up. Quick funding decision with money in your account as fast as 24 hours

Competitive Rates

Numerous sources of liquidity, multi-bank for your buck. Know all costs upfront and pay upon use only

Innovative Assessment

Borrowing based on your customer's creditworthiness. Ensuring deserving businesses with less favourable credit score can access financing

You and your customer are Malaysian registered businesses

You have been in operation for 1 year

How It Works
What Clients Say About Us

CapitalBay’s clients and their results are the best proof that our methodologies work. But we’ve also received numerous awards and praise from the media and our peers.

Speak to Our Specialist

Not sure which financing product is suitable for you?

Speak to Us. Our friendly cash flow specialist will advise you based on your financing needs.

Refer a Business

Earn Upsized referral bonus of RM300 RM1,000

*limited time only until end of October 2019!
Do you know someone who could benefit from CapitalBay’s financing program? Simply get a new business to come onboard and we’ll reward you. We will also be giving out an additional bonus of RM2,000 if you successfully refer at least 3 businesses by October 2019.
  • Fill up the Referral Form below
  • A friendly expert will reach out to the referred person to see if CapitalBay is a good fit
  • You’ll be rewarded with RM300 RM1,000 for every successful referral
  • Malaysian registered business;
  • At least 1 year in operation;
  • Have mid-to-large corporate customers; and
  • Not in liquidation or insolvent.