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CapitalBay is an award-winning Supply Chain Finance (“SCF”) platform based in Malaysia. The company was founded with the intent of helping small businesses unleash their greatest potential. Today, small businesses struggle with cashflow and traditional lending models are unable to fulfil this gap. We provide smart financing to propel them forward, helping them seize every opportunity with confidence. The most memorable moments are when we receive heartfelt thanks from our clients, thanking us for giving them a line of hope when times are tough.


Enduring global trade financing gap

Global trade financing gap in 2017 persisted at USD1.5tr Micro, Small, and Medium-sized Enterprises (“MSMEs”) in Asia-Pacific (“APAC”) remain underserved despite the rise of alternative financing options

Robust traction

Facilitated 2,000+ B2B transactions to date with healthy margins.

Sophisticated credit assessment with 0% historical default rate

Proprietary credit assessment model that uses financial supply chain technology to assess fraud risk and invoice validity, yielding a 0% default rate to date

Stellar reputation as a trusted partner to MSMEs

CapitalBay provides its clients with value-added services including, receivables management, giving it a significant edge over its peers

Financing platform built on quality businesses and funders

Passed rigorous due diligence by major global Financial Institutions (”FIs”), which subsequently got them appointed as a partner, validating their technical capabilities

Won numerous accolades

Gained recognition through numerous local and regional awards such as Best SCF Fintech in AsiaPac by The Asian Banker

Talented management team

Extensive and diverse experience in finance, regulatory and consulting at multiple global MNCs, including HSBC, Credit Suisse, Oliver Wyman, Deloitte and Accenture
An Award Winning Supply Chain Finance Company
We are proud to have had our company’s achievement recognized by the financial industry.

Our technology has received industry awards, strong traction and significant investment. We have been awarded “Best Fintech Platform in Asia Pacific” and the “Best Financial Supply Chain Management in Malaysia” by The Asian Banker, featured in regional fintech conferences and was listed as the Hottest Fintech Startup in Malaysia by Fintech Singapore.

Executive Team

Our success is a result of teamwork and building upon our technical expertise and creative style providing a full-service solution to our clients.

Ang Xing Xian

Co-Founder / Strategy & 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

Co-Founder / Operations & 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

Co-Founder / Strategy

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

Co-Founder / Business Development

An 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, one of the top investment banks in the region. Darrel graduated with an MEng in Engineering, Economics, and Management from Oxford University.