In addition to product and service packages with attractive incentive programs, commercial banks are also constantly expanding the financial utility ecosystem to support micro-enterprise customers, small-scale customers, small business households, etc. to easily access capital, meet credit expansion needs, and optimize operating processes.
In May 2025, the Government issued Resolution No. 68-NQ/TW on promoting private economic development, promoting the role of individual business households, not only creating jobs for millions of workers nationwide, but also contributing to stabilizing the domestic consumer market. Faced with this reality, commercial banks are also actively implementing many diverse financial solutions, creating favorable conditions for customers who are individuals, small business households, traders... to easily access capital, expand production and business scale.
With timely mobile capital, customers can quickly find suitable solutions to supplement business cash flow. Sharing about the benefits of using banking services, Ms. Thuy Hoa (Ba Dinh, Hanoi) - a small grocery store owner said: "Having more capital through PVcomBank's preferential loan package not only helps me maintain business operations in a regular and stable manner, but also helps me to shop for more goods with new models, thereby diversifying products for people to buy".
As part of the credit package "New Journey, Live Up to Dreams" implemented until the end of January 2026, the preferential loan solution of Dai Dai Viet Commercial Joint Stock Bank (PVcomBank) for customers with outstanding production and business loans with attractive interest rates from only 3.99%/year and a maximum limit of up to 10 billion VND. In addition, PVcomBank also provides a one-time limit to customers (can be used within 3 years), creating conditions for borrowers to use flexible capital depending on actual business needs.
Not only that, customers of business households, traders... can also flexibly prove their business revenue, and at the same time receive maximum support from the Bank in procedures, documents to quickly disburse within just a few hours.
In parallel with diverse credit products, optimizing benefits for customers, PVcomBank also supports the individual business household customer segment in managing cash flow and controlling transaction information effectively with the option of lottery programming (Loa TingTing). This is a useful device for account owners who often have to interact in a business environment with continuous transaction frequency such as grocery stores, stores, mini supermarkets or some mobile business models.
With Loa TingTing located in the store, I no longer have to worry about checking my account balance by phone every time a customer makes a money transfer transaction, said Mr. Viet Dung, a coffee shop owner in Phu Nhuan ward, Ho Chi Minh City.
It is known that from now until December 31, 2025, PVcomBank will also implement many attractive promotional policies for customers using loudspeaker services that announce balance changes such as: giving away free TingTing equipment to customers; refund/grant to customers who record sufficient transaction sales...
With a diverse and flexible product ecosystem, financial facilities and many attractive incentive programs, PVcomBank constantly actively supports micro-enterprise customers, business households, and small traders in accessing preferential capital flows, while optimizing the scale of operations and production.
Above all, this also demonstrates PVcomBank's role in accompanying the State and the entire banking sector to synchronously implement solutions to support people and businesses, contributing to the development of the economy - towards the goal of GDP growth of over 8% in 2025.
