Unlock Cash Flow
Cash flow is the lifeblood of every business. Through our sell-side financing solutions, you – The SME Seller – can now take control of when you want to get paid and get immediate working capital that you can use to pay for important expenses or do more business. This section covers the common cash flow problems faced by business owners and our accompanying short-term business financing products to help you finance rapid growth smarter without accumulating debts.
Indicative Financing Rates
8 – 18% per year
1 – 6 Months
5K – 2.5M (MYR)
Cash Flow Problems
Waiting to get paid
Can’t afford to wait up to 30, 60 or 90 days to get paid by your corporate customers? Need to pay your suppliers, employees or other business expenses but can’t? No one is immune to cash flow problems.
Seller Side Financing
aka Receivables Finance
Collect Cash Now
Your current payment terms don’t have to stay as it is. We offer a range of working capital solutions that are designed to cater for the needs of growing Malaysian businesses. We offer seller side financing solutions such as invoice financing or factoring to help you unlock cash flow trapped in this cycle.
Turn your outstanding invoices into cash. Get cash advance of about 85% of the value of your invoices, with most of the remaining paid later.
Receive a cash advance against a signed contract. This is the availability of working capital prior to Corporate or Government customers’ payment to a contractor before the acceptance of goods or services by the customer.
The organization that awarded the contract will make payments into the nominated account according to the notice of assignment. The funder provides financing to you based on the future cash flows from the contract.
The CapitalBay Advantage
Quick funding decision and set-up
No hidden charges. Know all costs upfront and pay upon use only
Simple, paperless and easy to use digital interface. Personal customer support is given
Simple, fast, flexible and all digital
Fill Online Form
Fill in the online application form in less than 10 minutes
Upload invoices automatically online onto our platform. Select invoices to finance in exchange for a small discount
Money will be in your account once the necessary approvals are obtained. Any reserve amounts will be paid later
*The processing time assumes timely submission of required information and documents by the customer as well as an average document verification timeline.
- Are a Malaysian registered company and preferably has operated more than one year
- Have commercial or government customers
- Have reputable or creditworthy customers
- More Convenience – You do not need to travel to the physical branch to apply for business financing. Our application process is quick, easy, and transparent.
- More Speed – You can apply for a financing online in just 10 minutes, and receive a financing quote as fast as a day.
- More Flexibility – No collateral is required. Borrowers have flexibility to repay sooner.
Get your personalised rate