Loan for working capital

1.    Facility features:

Timely feeding the needs of working capital of enterprises in diverse economic sectors.
Competitive credit rate.
Simple and fast procedure helps customers save time in transactions.
Facility available in diverse forms.
Simple conditions and documents required.
Flexible measures of security.
Our professional and experienced staff will offer free advices and recommend clients to choose the most efficient credit proposal.
Customers of this facility may enjoy the incentive lending scheme or/and sponsoring programs offered by SAIGONBANK in certain period.

2.    Subject customers:

Eligible enterprises which are legally operating in Vietnam.

3.    Purpose:

Supporting enterprises to fill the insufficient working capital during their business and/or manufacturing operation;

4.    Tenor:

Defined in accordance with the manufacturing and business cycle, plan and the repayment capability, remaining operation duration of the enterprises, return period on capital invested of the project…
Tenor limit is 12 month.

5.    Lending methods:

Loan disbursement to be made on actual case by case or;
Loan disbursement to be made upon credit limit approved;
Loan disbursement to be made upon standby credit limit approved;

6.    Loan conditions:

Clients must be legally eligible, entitled to civil capacity and responsibilities in compliance with the prevailing laws.
Purpose of loan utilization must be legal.
Customers must show sufficient financial capability to fulfill their repayment commitments.
Customers must prove their tentative investment projects to be effective, feasible and compliant with the prevailing laws of Viet Nam.
Customers must fulfill the requirement of loan security per SAIGONBANK’s loan policy.
If the clients are foreign investment enterprises, they need to comply with regulations on foreign exchange control of Vietnam.

7.    Loan security:

Security may be in forms of deposit, mortgage, pledge, guarantee and other security measures in compliance with the prevailing laws.

8.    Credit rate:

Per SAIGONBANK’s loan policy published in each period.

9.    Credit limit:

Determined on the basis of various factors including customers’ demand, their own capital invested in the project / plan, the value of loan security items and their repayment capability.

10.  Loan currency:

VND or

11.  Incentive products /programs offered in certain period:

Import Financing Loan
Export Financing Loan
Credit privilege scheme for exporting companies, SMEs, enterprises of rural- agricultural sector and supporting industry sector.

12.  Loan application file

 Legal documents of the applicant.
Proof of customers’ financial and business situations (financial statements).
Application form, loan proposal, relevant documents as required etc
Documents related to security measures.


For further information, please directly contact us at 848-39143183 or approach any transaction point of SAIGONBANK network nationwide.