CapBay is taking a bold step toward transforming Malaysia’s healthcare industry. At the Southeast Asia Premier Healthcare and Pharma Show (SEACare 2025), the fintech leader officially announced its partnership with several key healthcare players to drive financial inclusion and digital transformation across the sector.
The move aims to address long-standing financing challenges faced by healthcare SMEs, such as delayed payments, limited working capital, and slow digital adoption. With these partnerships, CapBay is building a future-ready ecosystem where healthcare providers can grow, innovate, and serve patients more effectively.
A Timely Solution for Healthcare SMEs
Ang Xing Xian, co-founder and CEO of CapBay
CapBay signed Memorandums of Understanding (MoUs) with Farmasi Al Arif, HealthMetrics, HorecaBid, and Nephrocare trusted names in Malaysia’s healthcare landscape. These collaborations will help streamline procurement, improve cash flow, and unlock financing opportunities for healthcare SMEs.
“Our goal is to make digital financing accessible to every healthcare SME, from independent clinics to medical suppliers,” said Ang Xing Xian, co-foundere and CEO of CapBay. “Together with our partners, we’re creating a more agile, well-funded healthcare ecosystem ready for the future”
Introducing CrediBill: BNPL for Business
At the event, CapBay also launched CrediBill, a B2B Buy Now Pay Later (BNPL) solution. This innovation allows instant payouts to suppliers while giving buyers flexible payment terms, a win-win that improves cash flow for all parties. It’s an ideal tool for businesses looking to upgrade systems, expand services, or mange cost during uncertain times.
By integrating AI- powered credit models, CrediBill ensures responsible lending while making funding faster and easier for healthcare providers. It’s a practical solution to a real-world problem: delayed access to capital in a high-demand sector.
Industry Leaders Join Forces for Impact
Each partner sees real value in the collaboration:
- Farmasi AL Arif believes the financing will streamline pharmaceutical procurement.
- HealthMetrics sees it enhancing employee benefits and value creation.
- HorecaBid is excited to empower healthcare and hospitality suppliers with flexible financing.
- Nephrocare highlights improved operational agility and better patient care as key outcomes.
By combining CapBay’s fintech expertise with the reach of these healthcare providers, the initiative is set to uplift over 1,000 businesses in the next year, with disbursements targeted to exceed RM100 million.
Driving Digital Growth in Healthcare
Carmen Chan, Vice President (Healthcare Industry) of CapBap
CapBay has already disbursed over RM4 billion to 2,000 SMEs across 20 industries. With this healthcare-focused initiative, it becomes one of Malaysia’s first alternative financiers to taoilor offerings for this sector specifically.
“We want to help healthcare SMEs embrace digital tools without being limited by funding,” said Carmen Chan, Vice President (Healthcare Industry) of CapBay. “By merging innovation with access, we’re building a stronger, more connected healthcare economy”.
The Road Ahead
The MoU exchange isn’t just a formal ceremony, it’s the beginning of a new era for healthcare SMEs in Malaysia. With strong partnerships, digital tools, and innovative financing, CapBay is laying the groundwork for a more inclusive and sustainable healthcare future.
For more information about CapBay and its financing solutions, visit http://www.capbay.com.
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