CAPBAY FINANCING PROGRAMME-UPTO RM1 MILLION FUNDING-MALAYSIA
- Adeeb Ul Mulk
- 7 hours ago
- 3 min read
Beyond your excellent product/service, managing cash flow, ensuring availability of working capital, and speedy access to funds is a must for growing businesses. CapBay Financing Programme Malaysia allows Malaysian SME’s to secure financing of up to RM1,000,000 with competitive profit rates, versatile payment, and speedy approval
Unable to handle the entire loan application?
SMI FUNDING offers complete end-to-end financial consultancy from loan documentation to the application submission, follow-up and liaison with financing providers and further until final approval and fund disbursement.
What is the CapBay Financing Programme?
The CapBay Financing Programme is one such solution to assist Malaysian SMEs manage cashflow, grow their businesses, acquire new equipment, finance working capital or manage short term funding gaps.
Businesses can choose between two financing options depending on their operational needs:
Term Financing
Invoice Financing & Revolving Credit Facilities
Both options provide businesses with accessible financing while maintaining competitive financing costs.
Key Features of CapBay Financing Programme
Financing up to RM1,000,000
Competitive profit rate starting from 3.5% per annum
Up to 30% rebate (subject to SME Corp Malaysia approval)
Fast application process
Flexible financing tenure
Suitable for SMEs across multiple industries
Supports business expansion and working capital needs
Term Financing
Term Loans are appropriate for businesses who require the use of a single large amount for equipment financing, business expansion, inventory, long term working capital needs, or a renovation.
Features
Item | Details |
Financing Amount | RM50,000 – RM1,000,000 |
Tenure | Up to 60 months |
Profit Rate | 3.5% per annum |
Rebate | Up to 30%* |
Platform Fee | 3.5% – 5.0% (depending on tenure) |
Processing Fee | Not Applicable |
Note: Rebate is subject to approval by SME Corp Malaysia.
Invoice Financing & Revolving Credit Facilities
These Loans For Businesses that have outstanding customer invoice that is awaiting payment for working capital and you need working capital now for working capital. You can receive a cash against your customers payments. Instead of waiting 30/60/90 days to be paid against the invoice we pay you instantly.
Features
Item | Details |
Financing Amount | Up to RM1,000,000 |
Tenure | Up to 6 months |
Profit Rate | 0.5% per month |
Rebate | Not Applicable |
Platform Fee | Up to 1.25% |
Processing Fee | Maximum 0.3% or RM2,500 (whichever is lower) |
Which Financing Option Should You Choose?
Choose Term Financing if your business wants to:
Expand operations
Purchase machinery
Renovate business premises
Increase production capacity
Finance long-term projects
Choose Invoice Financing if your business needs to:
Improve cash flow
Cover payroll
Purchase inventory
Pay suppliers while waiting for customer payments
Finance day-to-day operations
How SMI FUNDING Helps Your Business
Many financing applications are delayed or rejected due to incomplete documentation, incorrect financial information, or weak business proposals.
SMI FUNDING provides comprehensive consultancy services to maximise your chances of approval.
Their assistance includes:
Eligibility assessment
Financial consultation
Documentation preparation
Business profile review
Financial statement guidance
Application preparation
Submission to the financing provider
Continuous follow-up
Approval monitoring
Fund disbursement assistance
SMI FUNDING supports businesses from the initial consultation until the financing is successfully credited to the applicant.
Why Choose SMI FUNDING?
Businesses choose SMI FUNDING because they receive professional support throughout the financing process.
Benefits include:
Experienced financial consultants
Complete documentation assistance
Faster application preparation
Reduced risk of incomplete submissions
End-to-end application management
Continuous communication with financing providers
Support until approval and disbursement
Who Can Apply?
The CapBay Financing Programme is generally suitable for:
Malaysian SMEs
Manufacturing companies
Trading businesses
Service providers
Retail businesses
Logistics companies
Construction firms
Growing businesses requiring additional working capital
Eligibility requirements may vary depending on the financing facility and the applicant's business profile.
Final Thoughts
This innovative product, The CapBay Financing Programme Malaysia has an affordable payment structure of up to RM1,000,000, an interest rate of just 3.5% per annum profit for term financing and up to 30% rebate (as approved by SME Corp Malaysia). Whether your enterprise needs working capital for the short term or long term finance for business expansion.
SMI FUNDING will be happy to help your enterprise to have an edge in your application with our professional consultancy, such as documents’ submission, preparation, submission, application follow-up, approval process and until funding disbursement to our SME clients. Let us take care of the whole loan application for you while you continue your journey in managing and expanding your businesses
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