EXIMBANK provides comprehensive financial solutions for SME businesses

(HMC) - In the uncertain economic context of 2024-2025, small and medium enterprises (SMEs) are facing many financial difficulties. In addition to maintaining flexible cash flow for operations, SMEs also face many obstacles in accessing capital from traditional financial channels. To support businesses in overcoming these challenges, Eximbank has introduced flexible and suitable financial solutions, accompanying SMEs on the path to sustainable development.

Double pressure on businesses

Vietnam’s economy will face many challenges in 2024. Although interest rates are gradually decreasing, consumer demand has not shown clear signs of recovery. Factors such as fluctuating exchange rates, inflation and geopolitical situations also have a strong impact on the business cycle of enterprises. With more than 97% of enterprises in Vietnam belonging to the SME group, these units are forced to adapt and seek financial solutions that are flexible, accessible and optimize operating costs.

Accounting for more than 97% of total enterprises in Vietnam, SMEs still face many obstacles in accessing capital from traditional financial channels.

In addition, SMEs are also facing increasing cost pressures and the need to comply with increasingly stringent international standards. This not only increases operating costs but also makes it difficult to maintain business stability. Meanwhile, SMEs must remain flexible and dynamic to compete in an ever-changing market.

Comprehensive financial solutions from Eximbank help businesses overcome difficulties

Recognizing the challenges businesses are facing, Eximbank has developed a comprehensive financial ecosystem with specialized products and services specifically for SMEs. Eximbank's financial solutions not only help businesses access capital quickly but also optimize cash flow, minimize costs and improve operational efficiency.

The focus of the SME service strategy is EFast, a fast loan package that helps businesses access capital from 3 to 15 billion VND in just 8 working hours. With an interest rate from 5.25%/year, EFast not only optimizes capital costs but also shortens the approval process, suitable for businesses that need to respond quickly to the market, rotate cash flow or expand orders urgently. Without requiring traditional collateral, EFast prioritizes transparent records and efficient operations, creating opportunities for many SMEs to access bank capital for the first time.

EFast from Eximbank is a comprehensive financial solution that helps SMEs mobilize cash flow and be flexible in operations.

To meet the needs of industries with potential for sustainable development but facing difficulties in accessing credit, EFast Green is specifically designed by Eximbank for businesses operating in the fields of clean agriculture, renewable energy... With preferential interest rates from 5.5% and flexible loan limits, EFast Green not only provides capital but also helps businesses grow strongly, contributing to the development of the green economy .

In addition, Eximbank also supports SMEs to optimize financial management through the Exim Metro account package with many incentives such as free selection of beautiful account numbers, free domestic online money transfer and receiving money from abroad, free issuance of credit cards and debit cards for the first year.

Exim Metro – simple trading account, 100% free online trading.

Not stopping there, Eximbank also provides the BFast public investment guarantee solution package. This guarantee package does not require a deposit and does not charge a guarantee fee, helping businesses receive a guarantee application within just 2 hours, thereby easily participating in bidding and implementing public investment projects.

BFast, a public investment guarantee product, supports businesses in accelerating projects

In the field of international trade, the EFee package and the “The Queen” program help businesses save significant costs when conducting foreign exchange transactions. With preferential fees from only 1 USD/transaction when buying foreign currency at Eximbank.

In addition to providing flexible financial products, Eximbank also implements long-term preferential policies for SMEs. On the occasion of its 35th anniversary, the bank has launched a program to offer interest rates equivalent to one month's interest for businesses that deposit money for terms from 3 to 11 months. At the same time, the LOYALTY points accumulation program for SMEs also helps businesses redeem points to receive service incentives or access specialized financial consulting packages.

With flexible and suitable financial solutions, Eximbank not only helps SMEs overcome financial difficulties, but also creates a solid foundation for sustainable development, accompanying businesses on the journey to conquer the opportunities and challenges ahead.

Source: https://ttbc-hcm.gov.vn/eximbank-cung-cap-giai-phap-tai-chinh-toan-dien-cho-doanh-nghiep-sme-1018807.html