MSB accompanies businesses to accelerate at the end of the year

Preferential interest rates, increasing financial support for businesses

The year-end capital needs of businesses, especially the fast-moving consumer goods (FMCG) industry, increase due to the high demand for goods during the holidays. To promptly meet this need, MSB continues to accompany businesses in optimizing capital resources, ready to accelerate the peak season with the flexible mortgage loan solution M-Flex.

With the M-Flex solution, MSB focuses on two core factors: capital costs and flexibility in collateral assets, helping businesses be more proactive in their financial planning.

MSB đồng hành cùng doanh nghiệp tăng tốc cuối năm - 1 — MSB accompanies businesses to accelerate at the end of the year (Photo: MSB).

Specifically, MSB applies a special preferential interest rate of only 4.5%/year for customers who need capital for production and business activities at the end of the year through the M-Flex solution, helping to significantly reduce financial cost pressure for businesses.

In addition, in order to completely remove the "bottleneck" of traditional mortgage assets, MSB has expanded the scope of accepted collateral. Accordingly, in addition to real estate, businesses can flexibly use other assets such as property rights, property ownership rights or cars with up to 9 seats as collateral for loans, helping to increase the loan limit and expand access to bank capital for many types of businesses of different sizes and industries.

Pioneering digitalization and superior approval speed

MSB continues to affirm its pioneering role in digital transformation through the application of technology to optimize the credit granting process for businesses. The key digital solutions deployed include comprehensive process automation and super-fast processing speed.

Enterprises can register to open M-Flex online limit right on MSB's website with 2 groups of documents (no need to submit hard copy documents), then MSB's system will automatically evaluate. With super fast approval time within only 4 working hours from the time MSB receives all documents , enterprises not only save time but also solve financial needs quickly, promptly seize business opportunities during peak season.

In addition, businesses with revenue of 10 billion VND or more (according to the most recent tax report) that meet the program's conditions can receive attractive interest rates and a maximum credit limit of 15 billion VND. The maximum credit limit period of 12 months helps businesses easily adjust their debt repayment plan to suit their actual cash flow.

This solution is built based on customers' actual needs for capital and capital access procedures. After 8 months of implementation, M-Flex has contributed to a 33% increase in MSB's total newly approved SME customer portfolio; maximum approval time is 4 working hours, of which 70% of files return approval results within 1 hour from when customers submit complete documents (while the approval process for normal flow files is from 10 days to 2 weeks).

MSB đồng hành cùng doanh nghiệp tăng tốc cuối năm - 2 — MSB representative shares about M-Flex at Vietnam Innovation Summit 2025 (Photo: MSB).

“With M-Flex, MSB not only provides fast and preferential capital but also becomes a trusted companion to help businesses overcome financial barriers, accelerate development and stand firm in the challenging market,” said Mr. Tran Binh Trong, Director of Southern Corporate Customer Sales of MSB.

With initial positive results, demonstrated by the fact that M-Flex has contributed significantly to the bank's total newly approved SME customer portfolio, this solution was recently honored as "Bank with outstanding innovative products and services 2025" at the Vietnam Outstanding Banking Awards (VOBA).

For more information about M-Flex, please visit https://uudai.msb.com.vn/mflexeb or contact hotline: 18006260.

Source: https://dantri.com.vn/kinh-doanh/msb-dong-hanh-cung-doanh-nghiep-tang-toc-cuoi-nam-20251204145056819.htm