Sacombank cooperates with MISA and NextPay to provide free management software, promoting business households to convert to enterprises

Millions of business households are facing an important turning point: converting to an enterprise model to take advantage of tax incentives, expand scale and access capital more easily.

However, this journey is not only a matter of policy, but also requires practical support from banks and the community. Sacombank has pioneered in providing modern financial and technological solutions, creating a foundation for businesses to confidently transform into business models and develop steadily in the long term.

Sacombank accompanies business households in converting to enterprise models

Great opportunity for business households to transform into enterprises

According to the Tax Department, in the first half of 2025, 1,474 business households completed the conversion to enterprise models, an increase of 18% over the same period last year. At the same time, about 110,000 business households registered to use electronic invoices generated from cash registers, showing an increasingly clear trend of standardizing operations.

On a broad scale, the startup environment continues to be vibrant. In the first 8 months of 2025, the country had about 128,000 newly established enterprises, with a total registered capital of over 1.25 quadrillion VND, affirming that the market is strongly welcoming the wave of business transformation and establishment.

In fact, to promote the transformation, the National Assembly has approved a preferential tax rate of 15% - 17% for businesses with total revenue of no more than 50 billion VND/year, lower than the standard rate of 20%. In addition, business households when becoming small and medium enterprises are also exempted from tax for the first 3 years of operation. This is considered a 'golden opportunity' for business households to boldly step into a professional and sustainable business environment.

Ms. Le Hai Duong, owner of a printing shop in Ho Chi Minh City, shared: “Large customers such as schools and government agencies often require VAT invoices. If we were just a business household, it would be difficult for us to meet the requirements. I want to become a business to have full documents, access capital easily and expand the scale.

However, when we started to learn, we encountered many obstacles: legal procedures were complicated, the costs were not small, while our knowledge of business administration, accounting and taxes was limited." Ms. Duong's story reflects the needs of many businesses today, they recognize the opportunities from conversion but are still hesitant about new procedures, costs and management methods.

Sacombank commits to accompany business households in conversion

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Converting from a business household to an enterprise requires not only legal preparation but also management, finance and technology. We realize that many customers are still confused at this stage, so Sacombank has proactively designed synchronous solutions, closely accompanying business households to support the transition process to take place smoothly. Because we believe that every business, whether small or large, needs a solid financial and technological foundation to keep up with the pace of change and aim for long-term growth.

Mr. Nguyen Tan Cuong - Director of Sacombank Corporate Customer Division - said

In fact, many businesses after the conversion also recorded positive changes. Mr. Tran Quoc Hung, owner of an electrical equipment store in Binh Duong Ward (HCMC), shared: “Since becoming a business, I have been trusted more by big customers, and signing contracts has also been easier.

Previously, I was very worried about the procedures and costs. But Sacombank supported me in opening a free business account, guided me in using online services and even suggested suitable management software. Thanks to that, I saved a lot of time and felt more confident in managing my business.”

When switching to a business model, Mr. Tran Quoc Hung said he was supported by the bank in many stages.

To encourage businesses to boldly convert, Sacombank has implemented a series of practical incentive policies such as 1-year exemption of fees for using specialized account services (from payment accounts, corporate cards, e-banking, money transfers to online tax payments); Refunds of up to VND 3 million/business along with many valuable gifts such as travel vouchers, business class air tickets/Urbox vouchers or high-class travel bags when transacting with corporate cards, applicable until December 31, 2025.

Not stopping there, Sacombank also cooperates with technology partners such as MISA, NextPay to sponsor 12 months of free use of comprehensive management software solutions: from sales activities, debts, inventory to electronic invoices, digital signatures... Thanks to that, newly established businesses can operate smoothly and conveniently without worrying about the burden of initial investment costs.

In terms of capital, Sacombank has designed many flexible financial solutions to provide timely support to business households when they convert into enterprises. Specifically, in the first year of conversion, Sacombank continues to provide credit based on the assessment of the previous financial and operational situation of the business household, helping businesses avoid interruptions in capital flow in the post-conversion period. Businesses can not only quickly access working capital but can also be granted overdraft limits and credit card limits without collateral.

At the same time, Sacombank also applies preferential loan interest rates, reduced guarantee fees and many specialized financial policies to ensure stable businesses to expand their scale and seize business growth opportunities. Specifically, Sacombank is implementing a preferential credit package of 40,000 billion VND with an interest rate of only 4.3%/year to support businesses in investing in production expansion, technology upgrades, etc., applicable from now until the end of 2025. The credit package is prioritized for the fields of import and export, agriculture - forestry - fishery, green economy or businesses using capital to invest in infrastructure and digital technology, digital transformation in business operations .

Mr. Nguyen Tan Cuong emphasized: “Sacombank is not only a capital provider, but also a reliable companion. Our staff nationwide will directly advise and guide each business household to convert to an enterprise model so that they can confidently step into a new, more professional and sustainable development stage.”

To learn more, visit HERE or contact hotline 1800 5858 88 (free) for specific advice and direct support.

Source: https://daibieunhandan.vn/sacombank-hop-tac-misa-nextpay-mien-phi-phan-mem-quan-ly-thuc-day-ho-kinh-doanh-chuyen-doi-len-doanh-nghiep-10389549.html