MB Bank's product ideas come from the needs of micro-SME customers.
Faster and easier access to unsecured capital has long been the desire of micro-SMEs. However, given their size and credit history, micro-SMEs cannot always access unsecured capital as desired, within the time frame required to meet their needs.
Understanding the continuous working capital needs of businesses, BIZ MBBank designed the fastest loan product on the market with 3 solutions. Firstly, applying big data, integrating alternative data to create loan data models and applying scoring models to pre-approve credit limits for business customers. Secondly, bringing the entire unsecured loan process to the digital channel, replacing paperwork with digital touch points on BIZ MBBank. Finally, simplifying the disbursement process, businesses can easily receive capital in the form of overdraft, disbursement exceeding the account balance.
Thanks to that, micro-enterprise customers can experience super-fast loan flow, the entire process from loan registration to disbursement is wrapped up in 2 working days, 10 times faster than the usual time (from 10-30 days).
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| Nomination "Automation of the entire micro SME Unsecured Product Process" of BIZ MBBank Digital Bank for businesses excellently received a 5-star rating at Sao Khue Awards 2025. |
Easy access to business credit with electronic invoices
Among the data-based lending models developed by BIZ MBBank, the e-invoice sales-based financing model is the most popular among micro-SMEs. BIZ MBBank cooperates with leading e-invoice providers in the market to continuously develop this lending model. Based on the e-invoice sales of the enterprise in the last 12 months, BIZ MBBank gives the exact credit limit that the enterprise receives. Enterprises only need to access BIZ MBBank to confirm the loan and disburse completely online according to their needs.
For businesses that need to receive capital quickly to serve production and business, import goods, the loan product based on electronic invoices is a game changer because it does not require collateral or complicated paperwork. For businesses that need reserve capital, the limit at BIZ MBBank is like an "insurance" in which the bank only calculates interest at the time the business disburses.
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| For businesses that need reserve capital, the limit at BIZ MBBank is like an "insurance" in which the bank only calculates interest at the time the business disburses. |
Experience unsecured loan products rated 5 stars by Sao Khue and micro SME businesses
BIZ MBBank's data-based unsecured loan products not only convince experts but also bring satisfaction to many micro-SMEs.
Mr. Nguyen The Loc - CEO of KASH Vietnam Co., Ltd. shared: “At the time I was looking for capital to meet market demand, MB introduced me to the Overdraft Credit product with fast processing speed and especially no need to mortgage assets. The credit limit is automatically approved by MB based on data on electronic invoice revenue. I highly appreciate this because most banks require real estate as collateral when providing capital to businesses, and there are few lending solutions based on financial health with fast processing time like MB. The most special thing about the loan experience at MB is that the process is completely online, from confirming the loan need, submitting documents to disbursement. It can be said that MB's Unsecured Loan package has completely skipped the step of waiting for capital, helping me focus on developing the market."
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| BIZ MBBank's data-based unsecured loan products not only convince experts but also bring satisfaction to many micro-SMEs. |
A good product is one that meets the needs and brings excellent experiences to customers - that is also the goal that BIZ MBBank - the leading digital bank for businesses is constantly aiming for.
| Get advice on "tailored" unsecured loan products according to the needs of micro-SMEs, quick approval, easy disbursement right away: https://mbbiz.onelink.me/6ezO/E2ESaoKhue |
Source: https://baoquocte.vn/duoc-danh-gia-5-sao-san-pham-vay-von-tin-chap-dua-tren-du-lieu-cua-mb-bank-thang-lon-tai-sao-khue-2025-318120.html
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