Paydibs launches merchant financing to help SMEs access working capital

Paydibs has expanded beyond payment acceptance with a merchant-financing facility designed to give eligible Malaysian businesses digital access to working capital.

Anchor Capital, a company licensed by the Ministry of Housing and Local Government, is Paydibs’ first financing partner. Repayments will be deducted automatically from merchants’ weekly payment settlements and adjusted according to transaction performance. Businesses with stronger sales will repay more, while repayments will fall when sales decline.

Paydibs Chief Executive Officer Tee Kean Kang said payments represent the beginning of the company’s relationship with merchants, rather than its endpoint. “Merchant financing is a natural extension of our mission to go beyond transactions,” he said in a statement.

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Merchant financing is a natural extension of our mission to go beyond transactions.

The company said its merchant ecosystem already includes the NEO payment terminal for small and medium-sized enterprises and a partnership with Great Eastern General Insurance for business coverage. It described the financing service as another step toward becoming a broader financial solutions partner for SMEs.

Working-capital access remains a priority for Malaysian micro, small and medium-sized businesses. The SME Bank SME Sentiment Index for the second half of 2025 found that 81% of respondents planned to seek financing for working capital or business expansion. A survey by the Associated Chinese Chambers of Commerce and Industry of Malaysia found that 61.1% identified complicated and lengthy procedures as a major difficulty in obtaining government financing.

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By leveraging transaction information and the relationships built with merchants, we can help make access to working capital more relevant, easy and seamless for eligible businesses.