Debt Crowdfunding financing platforms provide Small and Medium Enterprise (SME)’s the ability to raise sizable funds for their operations as the financing terms are catered to each of the Borrower’s needs. Debt Crowdfunding financing enables investors to obtain high returns through a diversification approach across multiple borrowing companies.

CapBay connects Investors and SME borrowers without requiring any intermediary entity such as a bank. With CapBay, investors can invest in fractions of a financing (often called as Investment Notes), enabling borrowers to raise funds through crowdfunding.
CapBay sets the rates and terms based on the creditworthiness of the applicant. This transaction is facilitated by CapBay and investors can get more returns on their savings and investments when compared to other fixed income investment products.
In return, CapBay keeps a service fee out of the interest earned by the investor. Historically, CapBay has always focused on Supply Chain Financing, particularly Invoice Financing. In the future, CapBay will be introducing more products that would benefit both borrowers and investors.

Refer to the example scenario below to understand how CapBay improves the Supply Chain Financing ecosystem:

• An SME cleaning servicing company, SmallForce has a THB 1,000,000 cleaning contract with a Government-linked Corporation (GLC), OilNas.
• Once SmallForce has completed its services, it is expected that they would be paid on credit terms of 150 days payment term. However, SmallForce would still continue to issue payments for its employees and suppliers.
• A group of investors on CapBay’s platform will pay SmallForce THB 900,000 today and take over their invoice. In 150 days, CapBay will collect THB 1,000,000 directly from OilNas, for the investor.
• The difference is essentially the returns (%). CapBay will charge a service fee of 6-21% of the return for its services.

• CapBay offers a high touch customer experience by ensuring that your dedicated Relationship Manager is always available to help you navigate our platform.
• Our Invoice Financing notes offer much better returns compared to bonds and we utilise an established Financial Supply Chain management methodologies to manage the added risk from  Supply Chain Financing.
• CapBay credit methodologies and assessment process enable us to have better risk management
• CapBay is highly experienced in the regional Supply Chain Financing sector as we are the only platform operator with both Multi-Bank Supply Chain Finance (MBSCF) and Peer-to-Peer (Debt Crowdfunding ) Financing licensed by the Securities Commission Malaysia.

CapBay (Bay Smart Capital Ventures Co., Ltd.) is registered in Thailand and is a Crowdfunding Service Provider approved by the Securities and Exchange Commission (SEC) of Thailand.

CapBay collaborates with strategic banking partners who serve as bondholders’ representatives and escrow agents. This partnership ensures that investors’ interests are protected and that all transactions, including principal and interest payments, are strictly monitored for compliance.

Established in Malaysia in 2016, CapBay has partnered with multiple banks to facilitate digital Supply Chain Financing through its proprietary technology. As a registered P2P/Crowdfunding operator, CapBay provides retail and high-net-worth investors with access to financing opportunities that were previously exclusive to institutional investors and banks.

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