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