NCB provides flexible capital, accompanies general contractors and large-scale real estate investors

Accompanying the "big guys" in the construction - real estate industry during the hot period at the end of the year, National Citizen Commercial Joint Stock Bank (NCB) deploys flexible solutions, suitable for the specific characteristics of the industry, helping businesses increase their competitive advantage, seize opportunities and maintain their leadership strength.

Catch the wave of opportunity in the year-end acceleration phase

The last months of the year are always considered the peak period of the construction and real estate industry.

A series of infrastructure projects, urban areas, and industrial parks are entering a pressing phase, requiring general contractors to speed up construction, causing material and labor costs to escalate.

Even for large corporations with strong potential, capital pressure is always a constant challenge due to the characteristics of spread-out, long-term construction, progress payments and fluctuating input costs.

On the other hand, the Government is promoting the disbursement of public investment capital of more than VND1 quadrillion in 2025 - a huge driving force creating real capital demand for the entire market.

By the end of August 2025, the whole country had disbursed 46.3% of the plan, 135,290 billion VND higher than the same period last year. However, to achieve the target of 100% disbursement in the year, the amount of capital needed to be pumped into the market in the last months of the year is still very large. For construction - real estate enterprises, this is the "golden" time to expand scale and participate in bidding for new projects. But in order not to miss the growth rate, enterprises need a financial partner with industry-specific knowledge, sufficient capacity to accompany and flexible in designing solutions.

“At the end of the year, we not only maintain the progress of ongoing projects but also have to be ready with cash flow to bid for new projects next year. If we don’t have enough capital, it’s easy to miss the market,” said Mr. Thanh Tung, Director of an infrastructure construction company in Hanoi .

Major general contractors and investors need a strategic financial partner to accompany them in key projects.

Specialized solutions from NCB: Flexible - In-depth - Great response capacity

With experience accompanying corporations, general contractors and large investors in the construction and real estate sectors, National Citizen Commercial Joint Stock Bank (NCB) has affirmed its strength by providing capital for many large-scale projects nationwide in recent years.

NCB currently provides capital for 30 large-scale projects across the country, including many iconic projects in key locations.

The Bank also owns a solid partner ecosystem with 30 large-scale construction contractors nationwide, 5 out of the top 10 VNR500 construction contractors with a credit financing scale of thousands of billions of VND.

Unlike conventional credit models, NCB approaches the capital needs of the construction and real estate markets with a deep understanding of the specific cash flow. On that basis, the bank designs separate solution packages for each "link" in the chain, helping to meet actual needs, minimize capital flow deviation and optimize operational efficiency.

Flexible financial solutions from NCB help businesses maintain a solid capital foundation.

For construction companies, especially general contractors who are simultaneously implementing many large projects, NCB provides specialized financial solutions such as factoring, bid guarantee services, payment guarantees with competitive interest rates. Particularly for factoring, NCB finances up to 80% of the value of receivables, with a term of up to 364 days and no collateral required.

This helps businesses supplement capital in a timely manner, maintain flexible operating cash flow, and at the same time strengthen their reputation and negotiation capacity.

For real estate investors, NCB provides capital throughout the life cycle of large-scale projects, from the pre-project stage (legal completion, site clearance, architectural planning) to construction and completion. With a funding rate of up to 80%, a guarantee deposit rate of only 0%, receiving collateral as debt collection rights, flexible financial solutions from NCB help businesses maintain a solid capital foundation, accelerate progress and reduce pressure during the period when profits have not yet been generated.

Not only providing capital, NCB also accompanies as a strategic financial partner, supporting businesses in evaluating project potential, optimizing cash flow and building financial plans suitable for each implementation stage. This is an important advantage for urban projects, industrial parks or large-scale infrastructure complexes to ensure progress, enhance market reputation and expand long-term growth potential.

NCB's presence in key projects not only affirms its financial capacity, but also demonstrates its long-term commitment to accompany leading corporations and investors in Vietnam.

With strong financial capacity, specialized solutions and practical experience, in the coming time, NCB will continue to bring to units not only peace of mind in project operations, but also a strong enough foundation to expand scale, take the lead in public investment capital and FDI that are flowing strongly into infrastructure, industry and urban areas.

Source: https://baodautu.vn/ncb-tiep-von-linh-hoat-dong-hanh-cung-tong-thau-va-chu-dau-tu-bat-dong-san-quy-mo-lon-d399529.html