Overdraft Loan for Businesses

A flexible financing solution that helps businesses meet short-term working capital needs, manage payments promptly, and maintain uninterrupted business operations.

Product information

Business overdraft is an optimal credit solution to meet the needs of short-term, unexpected capital borrowing to take advantage of business opportunities without the need for a standard loan application. Businesses can spend more than their actual deposit account balance in a short period.

Product Features

Attractive Loan Interest Rates
High Loan Limits: Overdraft limits are granted in two forms:
- With collateral (deposits, securities, real estate, etc.): Up to VND 10 billion
- Without collateral (100% unsecured): Up to VND 10 billion.
Applicable to: Business customers who need overdraft loans (spending more than their current account balance) to meet unexpected short-term working capital needs and meet VRB's conditions.
Cost Savings: Only pay interest on the actual capital used, optimizing borrowing costs.
Loan Term: Flexible, up to 12 months.
Loan Currency: VND
Loan Purpose: To supplement working capital for production and business operations.

Loan Conditions

Corporate customers needing unsecured or secured overdraft loans.
Minimum operating time of 2 years.
Profitable in the most recent year, no accumulated losses in the preceding year's Financial Statements, no bad debts or overdue debts in the last 24 months.
Minimum operating time at VRB for 6 months.

Please contact any VRB branch/transaction office nationwide or the toll-free hotline 1800 6656 for more details.