SACOMBANK launches VND 20 trillion preferential credit package with special lending mechanism for import-export businesses

According to data from the National Statistics Office under the Ministry of Finance, Vietnam’s total merchandise import-export turnover reached USD 549.69 billion in the first six months of 2026, up 27.1% year on year, bringing the country’s trade-to-GDP ratio to approximately 170%, several times higher than the global average. However, foreign-invested enterprises (FDI) currently account for nearly 80% of export turnover, while domestic enterprises continue to record more modest growth. This reality highlights the urgent need to unlock capital flows for Vietnamese businesses, enabling them to strengthen their competitiveness and participate more deeply in global value chains.

Against this backdrop, SACOMBANK is offering loans at interest rates up to 2 percentage points lower than standard rates to corporate customers engaged in import and export activities. Loan tenors are flexible, while credit limits are tailored to each business’s scale of operations, production and business cycles, and cash flow.

A key highlight of the program is its credit assessment mechanism. Rather than relying solely on traditional collateral, SACOMBANK takes a comprehensive view of the relationship between the customer and the bank, including payment flows, import-export turnover, foreign currency requirements, and the company’s actual international payment activities. In particular, for businesses with supply chains, networks of suppliers, agents or distribution partners, SACOMBANK can implement supply chain financing solutions, enabling preferential capital to reach not only the anchor enterprise but also other members across its business ecosystem.

A SACOMBANK representative said that import-export businesses typically face longer capital cycles, international payment delays, foreign exchange fluctuations and logistics costs. At the same time, many businesses, particularly small and medium-sized enterprises, face difficulties in demonstrating their borrowing capacity based solely on traditional collateral. Therefore, instead of applying rigid approval criteria, SACOMBANK has designed the credit package based on a comprehensive assessment of each business’s overall financial health. This gives businesses greater access to capital and enables them to proactively secure resources for purchasing raw materials and machinery, covering operating expenses and, ultimately, seizing business opportunities during the year-end peak season.

“This initiative also responds to the monetary policy direction highlighted at the Government’s regular meeting in June, which called for measures to unlock capital flows and improve the investment environment for businesses, particularly small and medium-sized enterprises and businesses with orders but insufficient capital,” a SACOMBANK representative shared.

With its mission of connecting global finance faster and more efficiently, SACOMBANK not only meets businesses’ financing needs but also accompanies them throughout their journey into international markets, from trade finance and international payments to export L/C financing, import-export tax guarantees, supply chain financing, foreign exchange risk hedging instruments, as well as cash management and international payment services based on SWIFT GPI standards.

Since the beginning of the year, SACOMBANK has also introduced a range of attractive preferential interest-rate programs while actively partnering with domestic and international organizations to develop practical financial solution packages tailored to the specific needs of businesses across different industries.