CapBay
Peer-to-Peer financing platform that facilitates inclusive business financing, using existing trade data and relationships.
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CapBay operates as a Malaysian financial technology platform specializing in supply chain finance and peer-to-peer (P2P) financing. The company focuses on providing funding solutions to Small and Medium-sized Enterprises (SMEs) to enhance their cash flow and working capital management.
Its core business revolves around a multi-bank supply chain finance platform that facilitates invoice financing and other trade-related funding. This model allows businesses to convert their receivables into cash more quickly, addressing common liquidity challenges. The platform connects corporate buyers, their suppliers (SMEs), and a pool of investors, creating a marketplace for financing. The business model appears to be transaction-based, likely earning fees or a spread on the financing provided. By leveraging technology and analyzing trade data, CapBay aims to offer more accessible and efficient financing options than traditional banking channels.
Keywords: Supply Chain Finance, P2P Lending, Invoice Financing, Working Capital, SME Financing, Fintech, Trade Finance, B2B Payments, Financial Technology, Malaysia