OCB’s new “Quick Business Capital Supplement Loan” is a game-changer for SMEs, offering swift access to funds during the year-end peak season. With just one year of operation, businesses can secure loans of up to 10 billion VND, approved within 8 working hours upon complete documentation. The product features flexible terms of up to 36 months and a preferential interest rate, 0.5% lower than standard rates, empowering businesses to seize opportunities and manage finances effectively.
OCB’s “Quick Business Capital Supplement Loan” supports SMEs during the year-end peak season.
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What sets this product apart is its streamlined process and tailored evaluation criteria for SMEs, focusing on cash flow, operational capabilities, and business prospects rather than solely relying on collateral. The loan can be utilized for working capital, trade financing, guarantees, and other essential business needs.
A senior OCB representative stated, “Our strategy goes beyond meeting short-term capital needs; we aim to be long-term financial partners for SMEs. Moving forward, we’ll continue developing modern financial products, simplifying processes, and leveraging technology to optimize time and costs for businesses, thereby driving private sector credit growth in Vietnam.”
As of December 31, 2025, Ho Chi Minh City’s total credit balance reached 5.09 trillion VND, up 0.95% from November and 13.5% from 2024. The city’s credit growth for the first 11 months was robust at 12.43%, projected to hit 13.5% by year-end. Nationally, with trade surpassing 800 billion USD and double-digit industrial growth, year-end credit demand surged, exceeding the 16% annual target by November, per the State Bank of Vietnam.
Year-end is critical for SMEs, which comprise 95% of Vietnamese businesses, contribute nearly 50% of GDP, and employ over 40 million workers. Despite their economic backbone role, only 9.3% access bank loans due to collateral shortages, informal financials, or non-traditional business plans. However, banks are increasingly flexible in SME credit assessments, addressing core barriers to their growth.
At OCB, CEO Phạm Hồng Hải emphasizes SMEs, especially startups, as a strategic focus alongside retail banking. Beyond strict compliance and risk management, OCB offers tailored credit policies for startups, evaluating business models, founder expertise, and cash flow stability for lending decisions.
OCB has partnered with Aozora Bank-backed funds like Genesia Ventures to provide comprehensive financial solutions for SMEs. The “Quick Business Capital Supplement Loan” exemplifies OCB’s commitment to swiftly meeting SME capital needs during peak seasons.
– 07:50 31/12/2025
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