What started as a RM6,000 loan funded out of their own pockets has grown into over RM4 billion disbursed to more than 2,000 SMEs. Xing Xian shares the raw, behind-the-scenes story. From an impromptu pitch that caught Bank Negara Malaysia’s attention, to the early struggles, hard lessons, and the real mission behind CapBay.

• The accidental pitch that led to CapBay being founded
• How the founders used their own savings to fund their first borrower
• Why leaving their destiny at the hands of the banks nearly killed their momentum• CapBay’s role in funding digital-first businesses across Southeast Asia