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Financing for Pharma & Medical Supply Firms

Applicable to enterprises operating in pharmaceutical and medical trading.

Financing for Pharma & Medical Supply Firms

Applicable to enterprises operating in pharmaceutical and medical trading.

What makes it special?

Up to 100% unsecured financing of input costs

Bank guarantee issuance with margin requirement as low as 0%

Multiple capital utilization options

Product information

A comprehensive solution supporting Pharmaceutical and Medical Supply Enterprises in accessing reputable funding with practical fee incentives to stabilize operations based on confirmed sales plans—even prior to bid awards or receivable formation—with financing tenors of up to 12 months. 

Key Benefits:

Up to 100% financing of input costs, unsecured

  • Based on sales contracts: up to VND 200bn, including short-term facilities up to VND 100bn; broad range of approved buyers.
  • Based on enterprise credibility: up to VND 15bn; approval within 3 days.
  • Based on receivables from reputable hospitals: factoring up to 100% of invoice value.
  • Based on reputable suppliers/agents: payment guarantees up to VND 20bn.
  • Fast advance guarantee release with flexible advance fund management and post-submission of documents.

Flexible utilization purposes:

  • Bid bonds, working capital for contract execution, payroll payments, overdrafts, and corporate credit cards.

Frequently Asked Questions

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What working capital financing solutions are available for enterprises importing pharmaceuticals and medical equipment?
12/02/2026
  • Revolving working capital facilities with a tenor of up to 12 months;
  • Import financing via TTR, deferred L/C, and UPAS L/C;
  • Financing based on sales contracts with hospitals/pharmacy chains of up to 100% of input costs.

 

Does the Bank provide unsecured credit facilities?
12/02/2026
  • Strong revenue performance.
  • Transparent and stable cash flows.
  • Good credit history.
    • The Bank may consider granting unsecured credit facilities of up to VND 200 billion; The remaining limit may be secured by collateral such as real estate, inventory, or receivables.
What is the approval and disbursement timeline?
12/02/2026
  • Express credit facilities based on the enterprise’s reputation: up to VND 15 billion, approved within 3 working days.
  • Comprehensive credit facilities of up to VND 200 billion: approval within 10 working days.

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