Understand to accompany

With the economy warming up, businesses are accelerating production to meet the peak demand at the end of the year. The demand for capital is therefore also increasing rapidly.

Mr. Tran Trung Kien - Director of a business specializing in importing Thai consumer goods based in Hanoi said that in the first 9 months of the year, the business has invested more than 5 billion VND in the distribution system towards automation to improve business efficiency. From now until the end of the year, his business will need a large amount of additional working capital to prepare goods for the peak season.

“Our business scale is quite small, our assets are not much, mainly in goods. Therefore, we really hope to have the companionship and support from banks to have more resources, expand the market, especially during the peak period at the end of the year,” Mr. Kien shared.

This is also the desire of many small and medium enterprises in accessing capital, finding digital solutions, optimizing operations to help save time and operating costs...

“The fourth quarter is the peak period for orders, we hope that banks can facilitate the speed up of approval and disbursement processes to help businesses promptly obtain resources to complete signed orders, and at the same time, expand partners to increase revenue,” said Mr. Chu Van Than, owner of a textile business in Ha Nam.

Grasping the needs and understanding the difficulties of small businesses in accessing capital, in recent times, MSB has had many solutions to accompany businesses to overcome difficulties and start a new growth phase.

MSB representative said that with the advantage of understanding cash flow as well as business behavior of each enterprise, MSB can offer "tailored" credit solutions to suit each specific need.

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MSB has implemented many credit solutions to accompany businesses. Photo: MSB

In parallel, based on technological strengths and making the most of data from the national data ecosystem, MSB has successfully digitized the entire credit granting journey, providing customers with a superior experience.

Accordingly, businesses with good credit ratings and regular transactions with banks will have the opportunity to access many financial solutions without collateral, along with many incentives with simple and quick procedures. Businesses can choose the form of interest payment suitable to the characteristics of the industry and the need for borrowing capital at each time, ensuring optimal benefits from the loan capital.

Diversified capital solutions for businesses

For businesses in need of immediate working capital, MSB offers M-Flash unsecured loan products, with a credit limit of up to 2 billion VND. The highlight of the product is the super-fast file approval speed thanks to information processing by the automatic AI system with an approval time within 4 hours. Businesses can operate and complete the file 100% online without having to go to the transaction counter. MSB commits that customers will receive credit approval notification within only 4 working hours.

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With M-Flash, businesses are granted a credit limit of up to 2 billion VND. Photo: MSB

MSB also deploys many other credit solutions on digital platforms such as M-Power, M-Supreme... with outstanding features, ready to provide large capital sources for businesses at the end of the year.

In particular, the M-Power solution is suitable for small and medium-sized enterprises that want to access bank capital with high limits, quickly without collateral.

Thanks to the integration of a series of advanced technologies such as artificial intelligence or OCR technology, the loan procedure with M-Power becomes simple. Accordingly, customers only need to prepare scanned documents, use digital signatures, and do not need to go to the transaction counter to be able to borrow capital without collateral with a limit of up to 15 billion VND...

For businesses that need large capital or medium- and long-term capital, the M-Supreme solution is a reasonable choice. This is a comprehensive online credit solution with a limit of up to 200 billion VND, up to 280% of the value of the collateral, and a variety of funding forms, meeting the capital needs for production and business of all types of businesses.

Not only fast approval, high limit, MSB also gives many great incentives to businesses when using credit solutions from the bank.

Specifically, for the M-Flash loan package, businesses will receive 50% of the first month's loan interest and a maximum of VND 2 million for the first successful disbursement of the Debt Acknowledgement Agreement. Or businesses can receive a maximum of VND 2 million for the first successful L/C Guarantee transaction fee.

In particular, customers are offered a free initial bid bond issuance, which helps businesses receive a 100% refund of the bid bond fee when winning the bid. The offer applies to all three solutions M-Flash, M-Power and M-Supreme.

In addition, MSB is also constantly promoting the application of technology, giving customers the opportunity to experience superior digital financial products such as the new eKYC technology for corporate customers with the M-Smart account package. Customers have the opportunity to receive incentives such as "Giving a beautiful account number worth up to 350 million VND", "Giving a remote digital signature to the legal representative" to increase convenience and optimize costs for customers when opening an eKYC online corporate account.

“With the motto of always striving to understand and accompany businesses, MSB constantly innovates, providing diverse, flexible and creative products and services to best meet capital needs, helping businesses promptly grasp business and development opportunities,” MSB leaders shared.

Ngoc Minh