Running a small business in Malaysia comes with plenty of daily hurdles, and securing quick working capital is often the biggest bottleneck for ambitious entrepreneurs. Malaysian fintech and digital payment provider Paydibs is stepping up to solve this exact problem with a powerful new service offering. The company has officially launched a brand-new merchant financing facility in partnership with Anchor Capital, a licensed financial provider regulated by KPKT. As Paydibs Chief Executive Officer Tee Kean Kang notes, payment acceptance is where relationships with merchants begin, not where they end. This strategic partnership pushes the platform far beyond traditional payment processing, turning it into a comprehensive financial growth partner for local businesses.
For many micro, small, and medium-sized enterprises, getting a traditional bank loan can feel like climbing an administrative mountain. Industry insights show that the vast majority of local businesses require working capital for expansion, yet a staggering percentage of owners struggle with complex paperwork, red tape, and lengthy approval timelines. Paydibs aims to cut through those traditional barriers entirely by bringing the entire financing experience online. By leveraging real-time transaction data and digital insights collected through its existing payment network, the platform can evaluate a merchant’s financial standing quickly and efficiently.
Qualifying for this new financing solution is refreshingly straightforward for active platform users. Merchants who maintain at least ninety days of continuous digital transaction activity on the Paydibs system become eligible to receive tailored funding offers directly inside their secure merchant portal. Once a merchant reviews the transparent terms, digitally signs the agreement, and passes the automated credit assessment, the approved funds can be disbursed on the very same day. It is a completely digital journey built to keep businesses moving forward without missing a crucial operational beat.
Repayment is cleverly engineered to match the unpredictable rhythms of retail and F&B cash flows. Instead of forcing owners into rigid, fixed weekly instalments that can squeeze budgets during lean periods, Paydibs utilises a flexible 6-month, 26-week percentage-based repayment structure. Repayments are automatically deducted from weekly payment settlements, meaning they scale up organically when sales are booming and ease off automatically when customer traffic slows down. This dynamic approach ensures merchants can manage their cash flow safely while comfortably investing in new equipment, hiring staff, or stocking up for peak holiday seasons.
This financing facility seamlessly joins an already robust ecosystem that includes the NEO all-in-one payment terminal and comprehensive business protection solutions. By tackling the age-old problem of capital accessibility, Paydibs is empowering underserved businesses to thrive in the modern digital economy. As Paydibs continues to roll out these connected tools, local entrepreneurs gain a reliable ally for every stage of their commercial journey.
