CapBay, a Malaysian fintech company, has signed a memorandum of understanding (MoU) with the Office of Small and Medium Enterprises Promotion (OSMEP) in Thailand to enhance access to alternative financing solutions for small and medium enterprises (SMEs). Through this partnership, CapBay aims to leverage its fintech expertise to offer SMEs more accessible, flexible, and cost-effective financing options, empowering them to improve cash flow, reduce financial burdens, and scale their businesses effectively.