Financing Your Trade Cycle

The trade cycle is all about time, so it is really all about money, too. Through our Supply Chain Finance offerings, you - The Supplier - can now take control of When You Want To Get Paid and Do More Business.

Gone are the days of delayed payments!


Be Flexible

Drawdown only when you need it and pay only when you use the facility. This suits your cash flow requirements and allows for flexible forecasting.

Unlike the banks, there is no hidden charges.

Go Digital

Complete your financing application online with ongoing drawdowns just clicks away.

No really, our digital platform is that easy to use.

Get Control

Empowers you to gain control of your cash flow. Settlements can be securely done anytime, anywhere.

No penalty, of course.

See Results

Our approval rate is higher because unlike traditional lenders, we approve your financing application based on your invoices.

No collateral required by the way.

Get paid early with a
click of a button

The easiest way to access finance.
Stop waiting until the end of
your payment terms

Four Simple Steps

1Supplier invoices are automatically uploaded online
It is hassle-free to manage your invoices and payments online via CapitalBay. Allow your finance team to accelerate payments whenever required by accessing our platform using just a web browser
2Select a date to receive your invoice payment
Request for early payment on your invoices by selecting the date you would like to receive your invoice payments, in exchange for a small discount. You may do so any time, any day
3Buyer and Funder approves Early Payment
The Buyer and Funder will be notified of your request and will undertake the necessary approval process. You can seamlessly track the approval status and your invoice payment on our platform
4Receive Early Payment
Once approved, the invoice amount less the discount fees will be queued for payment into your bank account, while any reserve amounts attached to the invoice will be paid later

Example Fee Structure

Eligibility Criteria

CapitalBay is an initiative by our founders to help support SMEs in Malaysia. Our process is secured, while it is easier and faster compared to the banks. Our requirements on eligibility for our solutions are as followed:

Malaysian Registered Company

Proof of registration/ incorporation of business

1 year in operations

Proof of operations within Malaysia for a year or more.

Invoice amount between RM5000 - RM5,000,000

With multiple banks and institutions competing to finance your invoices, we ensure that you are getting the most competitive rates.

Get in Touch


Bay Group Holdings 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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