Preferential Loan Solutions for Small and Medium Enterprises at MSB

Is your business facing difficulties in accessing bank financing? Discover M-Flex, MSB’s preferential lending solution designed specifically for small and medium-sized enterprises (SMEs).

SMEs in Vietnam often encounter challenges in obtaining bank loans due to complex procedures and lengthy approval processes, which can cause businesses to miss valuable opportunities. Through the M-Flex solution, MSB aims to provide SMEs with faster and more convenient access to capital.

1. Overview of Preferential Loans for SMEs

M-Flex is a lending solution developed by Vietnam Maritime Commercial Joint Stock Bank (MSB) that offers flexible secured loans with fast processing and a fully digital application process. The product enables businesses to access preferential financing to support production and business activities, particularly during expansion phases or when short-term working capital is required.

The M-Flex loan package is designed for businesses that have been operating for at least one year, with a credit limit of up to VND 15 billion. The program accepts various types of collateral, including real estate, property rights, asset ownership rights and passenger cars with fewer than nine seats, providing businesses with flexible collateral options.

One of the most notable features of M-Flex is its fast approval process, with a commitment to provide approval within four working hours after the enterprise submits complete documentation and finalizes digital signatures on the system. Businesses can complete the entire process online—from submitting documents to receiving approval notifications—saving both time and operational resources.

M-Flex also offers flexibility in loan tenure (up to 12 months for each credit agreement), competitive interest rates and multiple financing purposes, including standard loans, guarantees, letters of credit (LC), factoring, discounting, overdrafts and credit cards.

By leveraging digital technology, MSB delivers a fully digital lending experience for corporate clients, helping businesses access preferential capital more easily and develop sustainably in an increasingly competitive market environment.

Currently, approximately 98% of businesses in Vietnam are SMEs, contributing around 40% of the country’s GDP. Their demand for financing has increased significantly during the post-pandemic economic recovery and amid rapid digital transformation. M-Flex is designed to meet these evolving financial needs with streamlined procedures and flexible financing solutions.

2. Eligibility Requirements for Preferential SME Loans at MSB

To qualify for preferential financing at MSB, SMEs must meet several basic criteria:

Legal status:
The business must hold a valid Business Registration Certificate or Enterprise Registration Certificate issued by a competent authority.

Financial documents:
Financial statements for the two most recent years and tax declarations for the latest 12 months or four quarters.

Clear funding plan:
Businesses must present a specific and feasible business plan and loan utilization plan. This includes meeting minutes of the members’ council approving the loan application (except for single-member limited liability companies owned by an individual) and a commitment to use the loan for its registered purpose.

Businesses can also register to open a corporate account with MSB to access additional preferential banking services.

3. Required Documents for Loan Application

MSB has fully digitalized the loan application process. Businesses are required to prepare the following documents:

3.1 Corporate Legal Documents

• Basic legal documentation of the enterprise

• Business Registration Certificate or branch operation license

• ID/Passport of the legal representative

• List of shareholders or members owning 5% or more of charter capital

3.2 Financial Documents

Financial statements for the two most recent years, including:

• Balance sheet

• Income statement

• Latest annual tax declaration and the most recent tax filing

4. Benefits of the M-Flex Loan Package at MSB

M-Flex offers SMEs a flexible secured loan solution with a credit limit of up to VND 15 billion, a fast approval process within four working hours, and a fully online application process. This allows businesses to quickly access optimal capital resources to support their business growth.

By applying advanced technology and automated processes, MSB not only shortens processing time but also enhances the accuracy of loan evaluations, providing a convenient and efficient experience for corporate clients.

For more information about the M-Flex loan package and other financial products, businesses can contact MSB via hotline 1800 6260 (toll-free), visit the official website or contact the nearest MSB branch for consultation tailored to their financial needs.

Businesses can also register for the M-Flex preferential loan package to expand operations and optimize cash flow with MSB.

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