Since its launch in June 2024, the ShopCash business loan solution on the Techcombank Business digital banking application has received a positive response from many businesses and business households.
With simple 100% online procedures and quick disbursement time, shop owners can easily apply for up to 100 million VND in capital. Techcombank is committed to providing maximum support to businesses in accessing working capital, promoting effective business development.
Techcombank promotes loan products to support business owners
According to economic experts, the demand for loans to serve business activities of individuals and business households is increasing, especially in the second half of the year. In particular, loan activities have grown strongly in seasonal business areas such as retail consumption, tourism, transportation, etc.
However, business households often face difficulties in accessing bank credit products. The main reason is due to obstacles in procedures for proving collateral as well as data on business activities and financial status that are still sketchy, not meeting the requirements of banks when applying for loans.
These are the shortcomings that business households and small traders are facing due to limitations in resources, human resources and financial capacity, especially collateral. Understanding that, Techcombank has quickly implemented the ShopCash unsecured loan package for business households to join hands to solve the difficulties that many business households are facing when borrowing capital from banks. This solution helps expand access to capital for many individual customers and individual business households participating in business activities.
The demand for business loans has increased in the last months of the year, many business owners are looking for online loan products to save time.
ShopCash - 100% online loan, advance capital up to 100 million VND for business households
ShopCash - Unsecured loan solution is designed for customers who are business households/individuals participating in business activities, with a business registration certificate or equivalent documents. This is a suitable solution for business households to expand short-term capital sources, with a loan term of up to 12 months and an interest rate of only 11.9%/year(*) to spend on daily business activities.
(*) Information updated as of October 30, 2024. Subject to change from time to time and Techcombank's terms and conditions.
Business households can borrow up to 100 million VND without collateral or directly go to the bank to complete the loan procedures. In particular, the loan process can be done entirely on a digital platform through Techcombank Business Mobile. Processes such as receiving notifications and signing contracts are all done online to simplify procedures and documents when borrowing, saving time and resources for business households when borrowing capital from the bank.
In addition, the ShopCash loan solution is also integrated with other features on the Techcombank Business Digital Banking application. Business households can easily borrow capital from their overdraft account by transferring money or scanning the QR code to pay from ShopCash like a regular account on Digital Banking. Household owners can choose a monthly repayment period with interest calculated on the actual amount and number of days used, creating favorable conditions for business households to operate their finances more optimally.
ShopCash solution - Unsecured loans allow businesses to carry out 100% online loan procedures through Techcombank Business Digital Bank, helping to save time and resources.
To get business loan be done To be successful, a business household needs to prepare a clear and specific business plan. This is one of the important documents for the bank to evaluate the development potential, demonstrate the financial management ability and sustainable business strategy of the business household.
In addition, according to Techcombank experts, business households should also closely monitor finances and build a smart cash management system. Specifically, business owners need to have a process to control business activities such as revenue, cost of goods sold, expenses and inventory using sales management software, in order to optimize operations and effectively monitor finances.
With the outstanding advantages of ShopCash loan solution at Techcombank, business households can not only easily expand their capital sources but also take advantage of outstanding incentives on interest rates and simple procedures. This is the credit solution that helps business households develop sustainably and manage their finances more optimally.
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