Financing designed for technology companies
Tech Focus Financing
A dedicated financing built for Malaysia’s technology sector.
Competitive Rates
Interest rates as low as 6% per annum with 6-month grace period before repayments begin, giving your business room to grow.
Up to 60 Months
Repayment terms up to 60 months, subject to approval.
Fast Approval
A fully digital and seamless application process.
Driving Innovation Through Digital Financing
The MD Technology Financing Programme, offered by MDEC in collaboration with CapBay, provides eligible MD companies with access to financing of up to RM3 million to support business growth and expansion. The programme provides eligible businesses with access to financing at preferential rates, enabling them to scale and grow more effectively.
As a digital financing partner collaborating with MDEC, CapBay manages the end-to-end financing process, including application management, credit assessment, and fund disbursement to qualified companies.
Why This Programme?
Early Stage Welcome
Accessible to companies from six months of incorporation. Most financing programmes require years of operating history.
Debt, Not Equity
Grow your business without diluting your stake. This programme offers debt financing at a stage where equity is typically your only option.
Assessed on Potential
Credit decisions are based on business fundamentals and growth trajectory, not physical collateral — built for how tech companies are actually structured.
Who is this for?
Technology and Innovation Companies
Businesses centered around technological innovation.
Digital Products or Services Companies
Businesses focused specifically on digital products or services.
Non-technology Companies within MDEC
General businesses that operate within the MDEC ecosystem.
Other Eligibility Criteria
- Registered with the Companies Commission of Malaysia (SSM).
- Incorporated company only (Sole Proprietorships and Partnerships are not eligible).
- Minimum 51% Malaysian ownership
Don’t wait any longer!
Get your financing solution with us now.
for inquiries
Frequently Asked Questions
In collaboration with MDEC as a digital financing partner, CapBay Group has a strong track record, having disbursed more than RM5.6 billion in financing to over 2,600 SMEs. CapBay has also been recognised among CNBC and Statista's World's Top Fintech Companies (2023–2025) and Fortune's Fintech Innovators Asia 2024.
- Early-Stage Eligibility: Open to companies incorporated for as little as six months, unlike traditional financing programmes that typically require several years of operating history.
- Debt Financing, Not Equity: Grow your business without diluting ownership. The programme provides debt financing at a stage where equity funding is often the only available option.
- Assessed based on Business Potential: Financing decisions are based on your business fundamentals and growth trajectory, not physical collateral, making it more suitable for technology companies.