LPBank deployed a credit package of VND 2,000 billion for SMEs

According to a report from the Ministry of Finance, by the end of 2025, small and medium enterprises (SMEs) play an important role in the economy but still have difficulty accessing credit. Capital constraints can affect this group’s ability to maintain production, expand operations and make long-term investments.

Faced with that need, LPBank implemented the program “Loan support – Hand-to-hand interest rates”, closely following the orientation of the Government and the State Bank on increasing credit access for small and medium-sized enterprises and priority areas. The unit spends VND 2,000 billion for businesses with stable revenue, good cash flow and positive credit history. The program prioritizes customers operating in the fields of supporting industries, manufacturing, export, green transformation and innovation.

According to LPBank, limited financial resources can cause businesses to be slow to invest in machinery, management software, digital data or artificial intelligence. Access to capital at appropriate costs meets short-term needs, creating conditions for customers to upgrade systems, improve productivity and increase the ability to participate in the value chain.

Solutions are designed according to three groups of needs. Loans to supplement working capital help businesses pay for raw materials, labor and other costs incurred during the production process. Guarantee activities support customers in meeting partner requirements and ensuring contract performance capacity.

For exporting businesses, LPBank provides financing solutions to supplement cash flow during order fulfillment and international trade transactions. The phased design helps customers be more proactive from operating, signing contracts to completing export activities.

In addition to capital access, the program focuses on reducing borrowing costs for customers. Businesses and loans that meet the conditions will enjoy a minimum interest rate of 1% per year lower than LPBank’s normal lending policy.

The specific reduction level depends on credit rating, cash flow quality and bank policies in each period. This mechanism allows banks to determine incentives suitable to each customer’s financial capacity, while encouraging businesses to maintain stable cash flow and good credit history.

Lower interest costs help businesses have more space to balance their finances. Depending on the business plan, customers can allocate the reduced costs to maintain production, invest in equipment, improve operating capacity or expand orders.

Since the beginning of 2026, LPBank has implemented a number of interest rate programs and financial solutions according to each industry group. This credit package continues to supplement capital for the SME sector, focusing on essential needs in operations, contract implementation and export.