Multi-Bank SCF platform gets
green light to operate P2P platform
CapitalBay, an award-winning Malaysian multi-bank supply chain finance (SCF) platform has received the approval from the Securities Commission Malaysia (SC) to operate a peer-to-peer (P2P) financing platform. Established in 2016, CapitalBay has been working with multiple banks in ASEAN by enabling digital supply chain financing for their clients.
Invest Alongside Financial Institutions
Retail investors are now able to access the platform,
allowing them to participate in high-quality financing
deals that were only available to institutional funders
Financing Business Payments through SCF
We specialize in working capital financing to small and medium enterprises (SMEs).
Since starting operations in Q4 2017, CapitalBay has financed 1,300 B2B transactions worth over RM 75 million with no default.
Zero Default Since Launch with Proprietary Risk Model
Banks’ credit assessment processes are tailored for larger deal sizes. This results in a high rejection rate for SMEs who require smaller loan sizes and shorter financing tenures as it may not be commercially viable for banks.
We leverage on leading technology to build a unique payment risk scoring model that predicts the risk of each transaction through machine learning. This opens up financing access to the underserved SMEs.
Supporting Businesses while Earning High Returns
Our investors can expect to earn double-digit annualized returns of up to 18%. You can expect to get investment returns within a few months.
Most of our financing deals are backed by invoices due from multinational companies (MNCs), blue-chip companies and government-linked entities with low default risks.
An Award Winning Supply Chain Finance Company
We are proud to have our achievements recognised by the financial industry.
Our CEO Says
"With the P2P approval, we would like to invite investors to join us in our mission to provide smart and inclusive financing to businesses across Southeast Asia. This will enable businesses to grow and prosper, ultimately improving the livelihoods of the business owners, employees, and the community we all live in."
- Mr Ang Xing Xian, Group CEO