Individual business loans
Proactively secure funding and expand your business with VRB’s preferential products
Preferential interest rates offered from time to time
Diverse collateral options: houses/land, cars, savings deposits/valuable papers, deposits, and other eligible assets.
Notification of account loan results within 48 hours.Product information
Target customers
Vietnamese individual customers and foreigners; households; and owners of private enterprises who meet VRB’s lending requirements
Loan purposes include working capital financing, inventory purchases, investment, business expansion, etc.
Product features
Loan amount: Up to 70% of the total capital requirement for the business plan, and a maximum of 80% of the collateral value.
Loan tenor for working capital loans: Up to 12 months; revolving credit facilities may be available for up to 3 years; for investment loans: Up to 15 years.
Lending methods: Flexible options, including term loans, credit lines, and overdrafts.
Refinancing may be considered for transactions arising within 6 months.
Required documents
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ID card/Citizen ID and personal identification documents.
Business registration certificate (where registration is required)
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Business plan or business proposal
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Documents proving the borrower’s equity contribution
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Documents proving business income, etc
Collateral documentation
Interest calculator
The figures are for reference purposes only.
VND
%
Loan term
First month payment amount:174.166.667VND
Interest rate:9%
Total interest paid:26.250.000VND
Total repayment amount:1.026.250.000VND
FAQs
VRB provides financing for legitimate business and production activities, including inventory purchases, working capital financing, asset investment, business expansion, and other financial needs related to business operations.
Up to 70% of the total capital requirement for the business plan, and a maximum of 80% of the collateral value.
Working capital loans: Up to 12 months; Investment loans: Up to 15 years.
Yes. The credit limit may be maintained for up to 3 years, with each credit agreement having a maximum tenor of 12 months.
Houses, land, automobiles, savings certificates, valuable papers, deposit balances, and other assets in accordance with applicable regulations.
Yes. This also applies to individuals independently and regularly engaged in commercial activities who are not required to register their business.
Yes. VRB will verify the business activities and sources of income for loan repayment. Depending on the case, a business plan and documents evidencing the borrower’s own capital contribution may be required.
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