WORKING CAPITAL LENDING

 
In order to help Customers operate effectively throughout the business cycles, Vietcombank are always willing to meet their need of working capital in a manner that is timely and suitable with the cash flow of the Customers. At Vietcombank, Customers can easily access both traditional working capital lending and specialized products suitable to their types of business such as: (i) One-time lending, (ii) Lending on credit line, (iii) Lending on overdraft limit, (iv) Lending on standby credit line, etc.
 
Customers
 
Customers who need to borrow working capital
 
Benefits
 
  • Can choose from many types of borrowing that suit the business
  • Can borrow in many different currencies with attractive interest rates
  • Have full range of period from one to twelve months
  • Fixed interest rate within the borrowing period
  • Ensure appropriate and competitive borrowing cost
  • Fast and convenient procedures
 
Conditions for borrowing
 
  • Have civil law capability, civil behavior capability and be civilly responsible under law
  • The purpose for borrowing is legal and suitable with Vietcombank’s direction in each period
  • Have financial ability to ensure re-paying debt on time
  • Have project or business plan that is feasible, effective and legal
  • Implement the regulations on ensuring borrowed money according to the regulations of the Government, the State Bank of Vietnam and guidelines of Vietcombank.
 
Documents for borrowing
 
  • Legal documents of the company
  • Financial documents and business operations documents
  • Borrowing documents
  • Documents on collaterals
 
Forms
 

 

 

 
 
Application Fee Schedule
 
Lending service Fee Schedule
 
Contacts
 
To have more information, please contact one of our specialists for detailed consulting and instruction on products. (See here)
 
Customers that Vietcombank provided working capital

INVESTMENT PROJECT LENDING

 
Vietcombank can meet the Customer’s need to borrow for investing in projects (business projects or life-serving projects) implemented in Vietnam and several countries/territories, depending on the specific Projects which are suitable with regulations of law and Vietcombank in each period.  
 
Customers
 
Any economic organizations that have investment projects suitable with Vietcombank’s objects of lending. In specific:
  • Corporation, economic organization, business unit with business registration: Limited company, joint-stock company, private company, foreign invested company, state-owned company, co-operative, partnership company
  • Government agency, political organization, political-social organization, social-occupational organization and affiliates/subsidiaries of those organizations. 
 
Objects of lending
 
All business or life-serving investment projects, except the following:
 
  • Vietcombank doesn’t lend to capital needs: (i) to buy assets and expenses forming assets which trading, transfer and converting are banned by the laws; (ii) to pay for expenses of conducting transactions which are banned by laws; (iii) to meet financial needs of transactions which are banned by laws.
  • Vietcombank lends limitedly to capital needs: (i) capital contribution to form company; (ii) borrow to pay corporate income tax; (iii) borrow to trade securities; (iv) borrow to re-structure loan, which is conducted according to specific regulations of State Bank of Vietnam and guidelines of Vietcombank.
 
Conditions for borrowing
 
  • Have civil law capability, civil behavior capability and be responsible civilly under law
  • The purpose for borrowing is legal and not belong to the list of capital needs that Vietcombank doesn’t lend. Projects belonging to the limited lending list will be handled separately.
  • Have financial ability to ensure re-paying debt on time
  • Have project or business plan that is feasible, effective and legal
  • Implement the regulations on ensuring borrowed money according to the regulations of the Government, the State Bank of Vietnam and guidelines of Vietcombank.
  • Have a certain level of capital according to Vietcombank’s regulations when participating in borrowing for Investment project
 
Benefits
 
  • Lending amount can be up to 85% of Project’s costs and no limit on project size
  • Appropriate and competitive interest rate
  • Various types of lending currency: VND, USD or other hard currencies depending on Vietcombank’s regulations in each period.
  • Flexible lending period (from 1 year up to 15 years), grace period and debt-returning period suitable to the cash flow of the project and the company
  • Fast and convenient proceedings of borrowing documents, enabling the customer to seize the business opportunity
  • Willing to combine capital assistance with consulting the Customer effectively on long-term and mid-term projects
  • Various types of lending based on experience, credibility and capability of Vietcombank (independent or joint-capital lending, co-coordinator for financial arrangement and joint-lending management, club-deal, trusted lending, etc.)
  • Preference policy in each period applied for Customer based on criteria such as good credit history, using package services of Vietcombank (including deposit, lending, payment, foreign exchange, etc.), preferences for industries (export activities, etc.)
  • Professional, whole-hearted and considerate services of credit specialists.
 
Collaterals
 
  • All assets forming from borrowed capital and borrower’s capital of the Project
  • Other assets outside the Project (such as balance on current account, valuable papers, movables, real estates not belonging to the Project, guarantee by assets of a third party) as additional collaterals
 
Documents for borrowing
 
  • Legal documents of the company
  • Financial documents of the company
  • Legal and economic-technical documents of the Project
  • Borrowing documents
  • Documents on collaterals
 
Contacts
 
To have more information, please contact one of our specialists for detailed consulting and instruction on products. (See here)
 
Some typical images of Vietcombank’s recently invested projects

 

 

 

 

 

 

 

 
Debt-acceptance paper