From capital needs to cash flow management, SMEs have more support from VIB Business solution package

The Government ’s newly issued Resolution 68/NQ-CP aims to support businesses in recovering production and resolving financial and administrative difficulties. Along with macroeconomic policies, the role of the banking system – especially with practical, digital solutions – is becoming increasingly important.

At the event "Elevating Vietnamese Enterprises" held on May 8, 2025, Vietnam International Bank ( VIB ) introduced the VIB Business solution package - a comprehensive digital financial ecosystem for small and medium enterprises (SMEs). This is a concrete step in responding to Resolution 68, including solutions from unlocking capital sources, optimizing cash flow, to supporting digital transformation, helping businesses save time, costs and improve management efficiency as well as competitiveness.

Capital source unlocking solution group - Faster and more flexible capital access

Capital is always one of the top concerns of SME businesses. Closely following the practical needs of businesses, VIB offers short-term unsecured capital up to 1 billion VND through VIB Business Card credit card and flexible capital for medium and long-term capital needs with a limit of up to 150 billion VND with a flexible loan solution package.

In particular, VIB Business Card credit card is an effective cash flow support tool, with an interest-free period of up to 58 days, businesses can take advantage of credit capital of up to 1 billion VND from the bank to pay for necessary expenses such as advertising costs, business expenses or regular expenses of the business. If businesses make transactions on the first days of the statement cycle, they will have nearly 2 months to use that money without having to pay any interest.

In addition, the card also has the function of accumulating points, unlimited cashback up to 1% for all card payment costs, along with many discount incentives when paying by card. This helps businesses save maximum costs, while maintaining a more abundant cash source for other important business activities. In particular, businesses can choose the minimum payment rate (from 1% to 20%). Statement date suitable for business cycle, and Automatic debit form (minimum, maximum, fixed amount, fixed %) to proactively balance cash flow.

Acting as a source of backup working capital, ready to support businesses when they need unexpected spending or short-term capital without having to go through complicated loan procedures, VIB Business Card helps significantly reduce the pressure of immediate payment for businesses. Instead of having to pay cash or transfer money immediately to suppliers, businesses can use cards to make payments, especially online transactions or international payments, helping to extend the actual payment time and be more proactive in balancing income and expenditure.

At the same time, VIB provides loans with a limit of up to 150 billion VND, a funding rate of up to 90% of the value of the collateral and a competitive interest rate of 6.1-7%/year. A big plus is the quick approval process, businesses can receive approval within just 24 hours, helping to shorten the time to access capital. This is a set of loan solutions serving a variety of business goals: Loans to supplement working capital (meet the needs of paying salaries, purchasing raw materials, paying expenses, etc.); loans to purchase fixed assets and build infrastructure; loans to buy cars for business purposes.

Modernize operations and financial management on one platform

One of the common challenges that SMEs often face is the lack of tools to control spending between individuals and businesses. Now, VIB Business Card allows issuing multiple sub-cards (by department, employee, etc.) and setting separate spending limits and areas for each card, helping businesses manage costs transparently and effectively.

VIB provides businesses with the VIB Business application, which helps them grasp their spending situation quickly and accurately. All spending with the VIB Business Card is immediately notified via the application with full information about the spender, location and purpose of use.

VIB Business application provides a trio of technology solutions to help businesses optimize cash flow management, improve efficiency and promote digital transformation. The Voice Alert feature notifies transactions by voice instantly, helping business owners and employees closely control revenue and expenditure, identify risks and have a "real-time" financial picture even when busy. The SoftPOS feature turns NFC phones into contactless card payment acceptance devices, helping to save costs on traditional POS machine investment, promoting businesses to participate in the cashless economy , bringing convenience to both sellers and buyers. The QR Merchant feature allows creating separate payment QR codes for each point of sale, helping to manage separate revenue, simplify reconciliation and speed up payment for customers.

Integrating these three solutions, VIB Business creates a comprehensive financial management ecosystem, supporting businesses to operate effectively and make decisions based on transparent data.

Accompanying SMEs – From solutions to actions

In a context where many businesses are still struggling with administrative procedures and financial burdens, VIB's solutions offer a new approach: practical, easy to deploy and technology-based.

Not only providing financial products, VIB is also acting as a companion partner, sharing difficulties with the SME community by simplifying processes, reducing operating costs and enhancing management capacity. Products such as VIB Business Card or VIB Business platform help businesses gradually become familiar with digital tools, be more proactive in financial planning and spending management, thereby building a stronger internal strength for the future. Meanwhile, capital solutions help businesses increase their potential for business development, optimizing the efficiency of idle cash flow. This is an important foundation for businesses to maintain stable operations and sustainable growth in the current period.

Thu Ha

Source: https://congthuong.vn/tu-nhu-cau-von-den-quan-tri-dong-tien-sme-co-them-tro-luc-tu-goi-giai-phap-vib-business-387777.html