In 2015, VPBank pioneered the establishment of a specialized financial model VPBank CommCredit, with the mission of serving small-scale customers - small businesses, operating mainly in traditional markets and household-level services.
After 10 years of continuous growth, August 2025 marked a new step forward when VPBank CommCredit strongly transformed to officially become a trusted companion of the entire private business community, including business households, individual businesses and small-scale business owners.
A comprehensive financial ecosystem has been built to fully meet the operational needs, development and expansion of business activities of this group of customers in the new context of the economy, after Decree 70/2024/ND-CP of the Government took effect. Accelerating at this time is a proactive step of VPBank CommCredit to anticipate the trend, helping the private business community adapt faster to the new situation.
The financial ecosystem is closed from investment, creating a foundation
That strategic orientation is concretized by building VPBank CommCredit as a closed value chain from capital solutions, financial instruments, support for business management with digital products... to fully serve customers' business journey from the beginning.
Notable in this period is the V20000 loan package with two flexible forms: mortgage loans and unsecured loans. For customers with guaranteed assets, the loan package is limited to 20 billion VND with a competitive interest rate of only 3.99%, the procedure is minimalist and approved in just 3 minutes. For customers without mortgaged assets, VPBank CommCredit supports loans of up to 1 billion VND, with a 2% interest rate reduction incentive throughout the loan term, flexible payment method.
Another product that plays a powerful role in the foundation period is the flexible installment loan solution, allowing the issuance of a credit limit of up to VND 400 million with a loan with guaranteed assets. Customers can borrow up to 300 million VND at a time, open a maximum payment limit of 100 million VND and use a card with an equivalent limit without needing to prove their finances.
Along with solutions that are a set of financial instruments to comprehensively support business operations. In particular, VPBank CommCredit credit card helps optimize costs with a refund of up to 1.5 million VND per statement period, annual free, cash withdrawal fee and foreign currency transaction fee of only 1%, gift of 500,000 VND when opening a new card. In addition, there are a series of incentives such as giving away sales software and electronic invoices worth 1.2 million VND, refunds when buying soundbox and eVoucher speakers up to 1 million VND for customers with transactions via QR codes and Casa accounts.
All are integrated at Thinh Vuong Shop - a complete solution for business customers, where all banking products and utilities are personalized according to scale and growth goals. Complete the ecosystem with a streamlined payment account (iNICK, eSodep), open quickly in 5 minutes, along with a loudspeaker device that reports balance changes, helping customers effectively track and control cash flow.
This comprehensive solution set is highly appreciated by business customers for its practicality of "right need, right target, right time".
To optimize operations, sustainable growth and expand business
As business operations gradually stabilize, the need to improve productivity and reduce operating costs becomes urgent. Thinh Vuong Shop now plays the role of a flexible financial consultant following a practical operating model, integrating cash flow management features, revenue and expenditure reports, separating revenue sources according to selling points, announcing balance changes by sound right on the banking application and analyzing business performance via charts... bringing competitive advantages, creating remarkable growth momentum.
At the stage of brand development and market expansion, VPBank CommCredit helps customers accelerate with practical marketing solutions in addition to business support products. VPBank CommCredit cards continue to support cash flow management, increasing promotional efficiency with refunds of up to 1.2 million VND for advertising spending.
VPBank CommCredit Fanpage is a business community connection channel that will continuously update knowledge, marketing trends, and exclusive privileges such as courses, gifts, booths, events, etc. to help businesses expand their customer base and reduce access costs. The bank will continue to accompany and support customers in connecting the trading community, looking for and expanding customers, suppliers as well as marketing products and services to potential customers.
In the strategic reinvestment phase, VPBank CommCredit has become a reliable financial lever with the Super Sinh Loi product, with a yield of up to 3.5%/year, both optimizing idle money and ensuring flexibility for daily spending.
Smart business production loans with lending policies increased by up to 130% compared to the existing limit at other credit institutions, or unsecured loans up to 1 billion VND continue to help customers reinvest and expand operations. Meanwhile, VPBank CommCredit interest rate loans and credit cards also promote their role as flexible financial resources that allow customers to access capital immediately, maintain stable cash flow so as not to miss investment opportunities.
VPBank representative said: "We believe that a solid, transparent and efficient financial ecosystem is the foundation for the sustainable development of the Vietnamese private business community. With the orientation of "Successful travel", VPBank CommCredit is committed to accompanying customers throughout the journey of operation and scale expansion. Customer success and prosperity are the goals that VPBank constantly pursues.
A solid decade to start a breakthrough decade, VPBank CommCredit is ready to continue a new journey with millions of business households, individuals and businesses across the country.
