Rebecca PY MALAYSIA, 8 SEPTEMBER 2026 – Homegrown fintech and digital payment provider Paydibs Sdn Bhd has officially launched its new merchant financing solution, bringing on board Anchor Capital Sdn Bhd as its inaugural financing partner. Anchor Capital operates as a licensed financing company under the purview of Malaysia’s Ministry of Housing and Local Government (KPKT).
The newly introduced facility enables Paydibs to expand its services beyond core payment acceptance by offering eligible micro, small, and medium enterprises direct access to essential working capital through a completely digital ecosystem. Repayments are structured to adjust based on ongoing business turnover, with deductions automatically processed from weekly payment settlements to help merchants optimize cash flow management.
This venture aligns with Paydibs’ strategic direction to deliver comprehensive support across every phase of a merchant’s business lifecycle. The initiative reflects widespread demand across the domestic business landscape, where research by SME Bank revealed that 81% of surveyed local businesses plan to secure financing for working capital or expansion needs. Similarly, data from the Associated Chinese Chambers of Commerce and Industry of Malaysia indicates that 61.1% of enterprises encounter roadblocks due to complex and lengthy traditional application procedures.
To minimize administrative barriers, Paydibs provides a streamlined verification model. Merchants maintaining an active digital transaction record on the platform for at least 90 days become eligible for direct financing proposals within their user portal. Approvals utilize automated credit assessments based on transaction history and Know Your Business protocols. Upon accepting the offer and completing electronic documentation, approved funds can be disbursed on the same day.
The funding structure utilizes a six-month, percentage-based repayment design rather than fixed instalments. This allows repayment amounts to scale dynamically, reducing financial pressure during slower sales periods while capitalizing on peak business volume.
Paydibs Chief Executive Officer Tee Kean Kang noted that transaction processing forms the foundation of the company’s merchant partnerships, and providing direct access to growth capital represents a natural evolution. He highlighted that the company aims to transition into an end-to-end fintech partner by integrating daily payment collection, business protection offerings, and flexible financial support on a single unified platform.