Capsphere and CGC Digital Forge Strategic Partnership to Expand SME Financing in Malaysia

Kuala Lumpur, Malaysia – 31^st July 2025 – Capsphere, Malaysia’s first asset-based peer-to-peer (P2P) financing platform, is pleased to announce a strategic collaboration with CGC Digital, the Fintech Subsidiary of Credit Guarantee Corporation Malaysia Berhad (CGC).  Together, they are launching new SME financing products underpinned by CGC Digital’s credit guarantee, designed to reduce credit risk and expand access to funding for eligible SMEs.

Through this partnership, SMEs can now apply for financing via Capsphere’s platform and benefit from credit risk-sharing support arrangement through CGC Digital. The offering includes Accounts Receivable (AR) and Accounts Payable (AP) financing. AR financing allows SMEs to access early payment on invoices, while AP financing supports timely supplier payments in enhancing cash flow, operational continuity, and supplier relationships.

“The launch of Capsphere’s AP and AR financing backed by CGC Digital Guarantee represents a key milestone in our mission to unlock fair and secure access to capital for SMEs,” said Yoon Jun Jie, CEO of Capsphere. “With CGC Digital’s support, we are raising the bar for trust and impact in Malaysia’s P2P financing space.”

This initiative reflects CGC Digital’s commitment to enabling inclusive, tech-driven financing for underserved and growing MSMEs. It also helps foster a more robust digital financing ecosystem through strategic de-risking partnerships.

“This collaboration with Capsphere is a strong addition to our expanding fintech ecosystem,” said Yushida Husin, CEO of CGC Digital. “We’re proud to support emerging digital platforms in broadening financing access while sharing risk to promote SME resilience.”

Key Features of the Capsphere x CGC Digital Initiative:

• Credit guarantees on a risk-sharing basis for eligible SME transactions

• Enhanced financing access for underserved and growth-stage businesses

• Seamless integration into Capsphere’s asset-based financing model

  
  

The product is now live, with the first SME financing note currently open on the Capsphere platform. SMEs across Malaysia can apply online and benefit from CGC Digital’s credit risk-sharing support in helping reduce barriers to funding while safeguarding commercial discipline.

About Capsphere Capsphere is Malaysia’s first peer-to-peer (P2P) financing platform focused on asset-based funding. As a licensed Registered Market Operator (RMO) by the Securities Commission Malaysia, Capsphere connects SMEs and investors through innovative and secured financing structures.

About CGC Malaysia

Credit Guarantee Corporation Malaysia Berhad (CGC) was established in 1972 to help SMEs access financing by providing credit guarantees. CGC has supported over 384,000 SMEs nationwide and continues to lead in fintech collaboration through its digital arm, CGC Digital.