CapBay Invoice Financing / Factoring P2P financing
Provider: Bay Smart Capital Ventures Sdn Bhd (CapBay)
This page describes a scheme family we have verified against its official source. Terms change — always confirm the live criteria, costs and availability with the provider before you apply.
Scheme details
- Provider
- Bay Smart Capital Ventures Sdn Bhd (CapBay)
- Instrument type
- factoring
- Ticket tier
- Medium
- Source last checked
- 2026-10-12
- Indicative ticket range
- RM1,000 – RM3,000,000 · Indicative figure — confirm live at source
- Who it’s for
- MSMEs
- Shariah
- Conventional & Islamic
What the money can be used for
- early payment on outstanding invoices
Registration confirmed on SC 'Digital Initiatives' Recognised Market Operators table opened 2026-10-12 (page carries no 'as at' date; the older /list-of-registered-recognized-market-operators URLs no longer resolve). Licence basis stated: 'registered with Securities Commission Malaysia' (P2P RMO); no moneylending/factoring licence stated on page. Late charge: conventional 0.1%/day; Islamic 10% p.a. Footer also names Bay Supply Chain Technology Sdn Bhd. MyCIF, NIMP CoSIF, SARANA participating platform.
Official source
Applications are only ever made on the provider’s own official channel — never here. We do not process applications or take your documents.
Apply at the official sourcehttps://capbay.com/invoicefinancing/
A match is not an approval or a promise of eligibility. The provider decides.