Refers to ongoing and continuous funding needs to support the customer’s business operations, such as supplementing working capital.

Under this method, MSB approves a credit limit that customers can use for up to 12 months. Depending on actual funding needs, customers may withdraw funds multiple times within the approved limit. For each withdrawal, the customer and MSB will agree on the loan amount, interest rate, and repayment schedule through a debt acknowledgment agreement.

This method is suitable for regular working capital needs.

Example: Mr. Nguyen Van A, owner of ABC Garment Co., Ltd., is approved by MSB for a credit limit business loan with the following details:

• Loan limit: VND 500,000,000.
• Loan tenure: 12 months.
• Loan purpose: Supplementing regular working capital.

Based on payment documents submitted to MSB, funds are disbursed as follows:

• Disbursement 1: VND 200,000,000 – tenor 3 months (07/03/2022 – 07/06/2022).
• Disbursement 2: VND 200,000,000 – tenor 6 months (10/03/2022 – 10/09/2022).
• Disbursement 3: VND 300,000,000 – tenor 3 months (07/06/2022 – 07/09/2022).
• Disbursement 4: VND 600,000,000 – tenor 3 months (10/09/2022 – 10/12/2022).

This loan method requires customers to submit a loan application each time they need additional business funding. Customers may withdraw funds once or multiple times depending on payment needs. For each disbursement, the customer and MSB will agree on the loan amount, interest rate, and repayment schedule through a debt acknowledgment agreement. The maturity date of all disbursements will coincide with the maturity date of the first disbursement.

Short-term single-disbursement loans are suitable for seasonal working capital needs.

Medium- and long-term single-disbursement loans are suitable for large investment needs, such as expanding production and business operations, purchasing fixed assets, machinery, or transport vehicles, or building and renovating factories.

Example: Mr. Nguyen Van A, owner of ABC Garment Co., Ltd., is approved by MSB for a single-disbursement business loan with the following details:

• Loan amount: VND 1,000,000,000.
• Loan tenure: 60 months.
• Loan purpose: Renovation of the garment factory.

Mr. A submits two payment requests from the contractor, and MSB disburses the loan in two installments:

• Disbursement 1: VND 500,000,000 (loan date: 07/03/2022 – maturity date: 07/03/2027).
• Disbursement 2: VND 500,000,000 (loan date: 10/04/2022 – maturity date: 07/03/2027).