SACOMBANK partners with MISA to expand capital access and support SMEs

As businesses accelerate digital transformation and optimize resources to expand operations, the demand for fast and flexible access to capital has become increasingly vital. However, many enterprises continue to encounter challenges related to documentation and administrative procedures. Recognizing these difficulties, SACOMBANK has partnered with MISA to deploy its financial solutions on the MISA Lending platform, helping to unlock capital flows in a safe, efficient, and transparent manner.

A key advantage of this solution lies in its fully digitalized process. Through direct data integration between the MISA Lending platform and the Bank, customers can independently select the financing option that best suits their needs. The streamlined application process reduces processing time by up to 70%, enabling businesses to seize timely opportunities, particularly during peak periods requiring capital for inventory purchases or partner payments.

SACOMBANK currently offers two financing solutions for SMEs on MISA Lending: a working capital loan package and a business credit card. The total credit limit is up to VND 5 billion, including unsecured financing of up to VND 1 billion.

Under the working capital loan package, SMEs pay interest on a reducing balance basis, enjoy free disbursement, and may prepay flexibly without penalties. Meanwhile, the business credit card offers an interest-free period of up to 55 days. This combination enables businesses to optimize financing costs and proactively manage cash flow across operations.

Through its partnership with MISA, SACOMBANK continues to affirm its commitment to supporting the business community with fast and flexible access to capital. The initiative provides a solid foundation for SMEs to achieve sustainable growth, accelerate digital transformation, and contribute to the development of Vietnam’s private sector. It also represents a key milestone in SACOMBANK’s broader strategy to advance comprehensive digital transformation in alignment with the national digital agenda.

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