Vietnam Maritime Commercial Joint Stock Bank accompanies businesses to accelerate at the end of the year

Preferential interest rates, increasing financial support for businesses

The year-end capital needs of businesses, especially the fast-moving consumer goods (FMCG) industry, increased due to increased demand for goods during the holidays. To promptly meet this need, Vietnam Maritime Commercial Joint Stock Bank continues to accompany businesses in optimizing capital resources, ready to accelerate peak season with the flexible mortgage solution M-Flex. With the M-Flex solution, Vietnam Maritime Commercial Joint Stock Bank focuses on two core factors: capital costs and flexibility in collateral, helping businesses be more proactive in all financial plans.

Specifically, Vietnam Maritime Commercial Joint Stock Bank applies special preferential interest rates from only 4.5%/year to customers who need capital to serve production and business activities at the end of the year through the M-Flex solution. This is one of the competitive interest rates on the market, helping to significantly reduce financial cost pressure for businesses. This preferential package is applied on a large scale, affirming the strong commitment of Vietnam Maritime Commercial Joint Stock Bank in supporting capital for the sustainable development of the Vietnamese business community.

In addition, in order to completely remove the “bottleneck” of traditional collateral, Vietnam Maritime Commercial Joint Stock Bank has expanded the range of accepted collateral. Accordingly, in addition to real estate, businesses can flexibly use other assets such as property rights, property ownership or cars with up to 9 seats as collateral for loans. This policy not only helps increase loan limits but also expands opportunities to access bank capital for many types of businesses of different scales and industries.

Pioneer digitalization and outstanding approval speed

Vietnam Maritime Commercial Joint Stock Bank continues to affirm its pioneering role in digital transformation through the application of technology to optimize the credit granting process for businesses. Implemented key digital solutions include comprehensive process automation and ultra-fast processing speeds.

Enterprises can register to open M-Flex online limit right on the website of Vietnam Maritime Commercial Joint Stock Bank with 2 groups of documents (no need to submit hard copies), then the system of Vietnam Maritime Commercial Joint Stock Bank will automatically evaluate. With a fast approval time of just 4 working hours from the time Vietnam Maritime Commercial Joint Stock Bank receives complete documents, businesses not only save time but also solve their financial needs quickly, promptly seizing peak season business opportunities. In addition, businesses with revenue of 10 billion VND or more (according to the most recent tax report) that meet the program’s conditions can receive attractive interest rates and a maximum credit limit of 15 billion VND. Maximum limit period of 12 months helps businesses easily adjust debt repayment plans to suit actual cash flow.

This solution is built based on customers’ actual needs for capital and capital access procedures. Therefore, after only being launched on the market for a short time, the solution has received the attention and experience of many businesses. After 8 months of implementation, M-Flex has contributed to a 33% increase in the total newly approved Small and Medium-sized Enterprises customer portfolio of Vietnam Maritime Commercial Joint Stock Bank; Maximum approval time is 4 working hours, of which 70% of documents return approval results within 1 hour from the time the customer submits the complete application (while approval documents usually take 10 days to 2 weeks).

Representative of Vietnam Maritime Commercial Joint Stock Bank shares about M-Flex at Vietnam Innovation Summit 2025

“With M-Flex, Vietnam Maritime Commercial Joint Stock Bank not only provides quick and preferential capital but also becomes a reliable companion to help businesses overcome financial barriers, accelerate development and firmly step forward in a challenging market” – Mr. Tran Binh Trong, Southern Corporate Customer Sales Director of Vietnam Maritime Commercial Joint Stock Bank shared.

With initial positive results, demonstrated by M-Flex contributing to a significant increase in the bank’s total newly approved Small and Medium-sized Enterprises customer portfolio, this solution was recently honored as “Bank with outstanding innovative products and services 2025” at the Vietnam Outstanding Banking Awards (VOBA).

For detailed information about M-Flex, please see here or contact hotline: 18006260.