“Turn Idle Capital into Profits with VIB’s Super Interest Rates.”

The VIB Business financial management toolkit offered by the International Bank (VIB) includes the Super Profit Rate account, which enables small and medium-sized enterprises (SMEs) and household businesses to generate daily profits of up to 4.5% per year without altering their operational processes.

Leveraging Super Profit Rate and VIB Toolkit: Turning Cash Flow Gaps into Profits

Many SMEs and household businesses are accustomed to a cash flow cycle where they purchase inventory today but have to wait one to two weeks, or even a month, to receive payment for their sales. During this waiting period, they need to maintain a buffer fund to manage their operations. In the past, they would either place this fund in a short-term deposit with early withdrawal penalties or leave it idle in a transaction account, missing out on profit opportunities.

Now, by activating the Super Profit Rate on VIB Business, this short-term fund can automatically generate daily profits. Businesses can still make payments, transfers, and tax payments at any time, and the accumulated profits up to the point of use will be preserved. This means that the same fund intended for operations can now create value even while it’s not being used.

For example, a company specializing in fresh fruit supply in Ho Chi Minh City typically purchases a large quantity of produce at the beginning of the week and only receives wholesale payment at the end of the week. They always need a buffer fund of several hundred million VND to manage their cash flow. Usually, this fund would not generate any returns. However, by utilizing the Super Profit Rate account, this fund will start working for them, turning into profits. The actual monthly profits could range from several hundred thousand to several million VND (depending on the balance maintained in the Super Profit Rate account), sufficient to cover a portion of their electricity, water, and transportation expenses.

Additionally, by leveraging other features of VIB Business, such as QR Checkout and SoftPOS, the company can receive payments instantly from customers, shortening the cash conversion cycle. Voice Alert provides immediate transaction notifications. If revenue comes in later than expected, the VIB Business Card credit card can serve as a quick source of capital, offering a limit of up to VND 1 billion without collateral and with an interest-free period of up to 58 days, ideal for buying now and paying later. For larger capital needs, there’s also the option of a VND 150 billion package with quick disbursement and competitive interest rates of around 6.7% per year.

Money Awaiting Payment or in Reserve Can Still Generate Returns

In B2B operations, businesses often set aside funds to pay off debts or make payments to suppliers when they become due. In the past, this money would remain idle because placing it in a fixed-term deposit would lack flexibility. With the VIB Super Profit Rate account, this waiting fund can be put to good use. Businesses can maintain the money required for scheduled payments, but any unused capital will earn daily profits with a maximum yield of 4.5% per year. Importantly, the funds can be withdrawn immediately when needed, and the profits accrued up to that point will be retained. As a result, businesses can maintain liquidity while maximizing the efficiency of their capital.

The VIB Business platform also accelerates the accounts receivable cycle through electronic invoicing (e-Invoice), online payment gateways, and B2B connections via VNPAY. The swift transaction processing reduces the pressure on SMEs to hold large amounts of short-term capital, which means that idle funds have a greater opportunity to generate returns.

Furthermore, any SME would require a reserve fund for contingencies or quick inventory purchases. Leaving this fund idle in a transaction account is inefficient. Modern fund management involves a layered approach: Layer 1 is for daily contingencies and value enhancement while maintaining liquidity – this layer is allocated to the Super Profit Rate account; Layer 2 involves investing according to risk appetite.

For instance, a processing and manufacturing workshop that maintains a reserve fund of VND 300 million can structure it as follows: VND 150 million for Layer 1 (flexible + daily profit generation) and VND 150 million for Layer 2, considering suitable investment channels.

The three states of short-term capital – buffer, pending payment, and reserve – were once considered dead spots in cash flow. However, with the Super Profit Rate and VIB Business, they have become active profit centers: money awaiting use is no longer idle but accumulates profits daily until it is needed. With the right tools, SMEs and household businesses can not only be safer against risks but also seize opportunities. More importantly, it’s a shift in mindset: every short-term dollar, even when idle, can create value.