With the goal of providing modern digital financial solutions that help businesses proactively manage cash flow and access capital quickly, the Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) has officially partnered with MISA Joint Stock Company to introduce the Online Unsecured Overdraft product for SME customers — seamlessly integrated on the MISA Lending platform.

A digital financial solution empowering businesses with flexible working capital

The “Online Unsecured Overdraft” is designed exclusively for businesses currently using MISA’s accounting and e-invoicing software (MISA Accounting, MISA MeInvoice). By leveraging the financial and operational data provided through these platforms, Vietcombank can assess and approve overdraft limits quickly and flexibly, helping businesses access timely capital without the need for collateral.

Key benefits of the product:

• Overdraft limit up to VND 3 billion
• Preferential interest rate from 7.39% per annum
• 100% unsecured – simple procedures, fast approval!
• Free transaction fees and early repayment fees — helping businesses optimize capital costs.
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Thanks to the seamless integration between MISA and Vietcombank’s digital platforms, businesses can manage cash flow proactively anytime, anywhere — especially during peak production and business seasons at year-end.

A new step toward a comprehensive digital financial ecosystem

The “Online Unsecured Overdraft” marks an important step in Vietcombank’s strategy to build a comprehensive digital financial ecosystem, connecting banking services with leading enterprise management platforms in Vietnam. This solution not only enables easier access to financing but also promotes digital transformation in financial management, enhances operational efficiency, and supports sustainable growth in the digital era.

For more information or to register for online consultation, please visit: https://lending.misa.vn/vay-thau-chi-tin-chap-cung-vcb/