Faced with difficulties due to epidemics, natural disasters or policy changes, VPBank in general and VPBank CommCredit in particular are always present in a timely manner, not only with capital flows but also with knowledge, technology and understanding with business households, demonstrating the persistent commitment to "Accompanying small traders - Steadfastly prosperous".
The journey to join VPBank CommCredit's business households
In each neighborhood, alley to traditional markets, business households have long become an inseparable part of Vietnam's economic and social life. Thanks to a simple, flexible operating model with low operating costs, more than 5 million business households have developed strongly and created jobs for more than 8.5 million workers, contributing 30% to GDP, according to a report from the International Labor Organization (ILO).
Although playing an important role, business households are a special customer group and are easily affected by fluctuations in the business environment. With a small scale, limited financial situation, unstandarized accounting books, and business households often have difficulty accessing credit capital from banks. In addition, many business households have difficulty improving operational efficiency, expanding scale or meeting requirements when policies change.
In the spirit of accompanying business households, in July 2015, Vietnam Prosperity Joint Stock Commercial Bank (VPBank) officially launched the CommCredit brand, marking an important transformation in the direction of comprehensively meeting the needs of business household customers. With a understanding of products, understanding customer needs and the spirit of always accompanying and listening, VPBank CommCredit constantly develops flexible solutions, close to the practical operations of small traders.
constantly transforming to accompany customers
From the very beginning, the CommCredit brand has launched many pioneering products such as monthly installment loans, loans based on tax receipts, market mortgage loans... or digital initiatives such as the CommCredit information portal on the Zalo platform.
In the context of change, such as during the pandemic, VPBank continuously demonstrated its accompanying role with practical financial and non-financial solutions and support. In early 2020, in the context of social isolation, the bank quickly implemented the "Smal Trade Academy" program on an online platform, equipping tens of thousands of business households with skills in online sales and business management...
At the same time, VPBank has continuously implemented many support packages to reduce interest rates, extend debts, extend and restructure loans, and help businesses overcome difficulties. The bank has simplified new loan procedures, streamlined the procedures to the maximum, but not loosening conditions to ensure credit safety quality.
In September 2024, when Typhoon Yagi made landfall in the northern provinces and caused a lot of damage to people's property and livelihoods, VPBank also quickly reduced the existing loan interest rate for affected customers, the highest up to 1%.
As the economy recovers, VPBank continues to demonstrate its role as a companion by launching many preferential loan packages with interest rates among the lowest in the market. At the same time, the bank also promoted digitalization activities, bringing pioneering products such as ShopQR (2023), Bion payment utility package (2024) and most recently, the Shop Thinh Vuong platform (2025).
Currently, VPBank is providing a comprehensive set of solutions, accompanying customers in all business aspects: From unsecured loans, flexible mortgage loans, credit cards exclusively for Business Household Customers toinhinh Vuong Shop and Bion payment utility package.
Most recently, when Decree 70/2025/ND-CP took effect, business households were faced with the need for digitalization and operation profiling, VPBank launched the V20000 solution package to quickly meet the new regulations with customers. With a scale of up to 20,000 billion VND, V20000 is one of VPBank's largest credit programs exclusively for business households. The loan packages are designed with quick approval time, simple procedures and interest rates among the most competitive groups in the market, from only 3.99%/year for loans with guaranteed assets.
In order to solve the operational problem for business households, VPBank has also brought a set of 5-in-1 solutions including products: account - capital - tax - insurance - payment management. The solution package is intelligently designed, synchronously integrated and fully packaged, accompanied by leading promotions and incentives in the market.
VPBank also accompanies business households through a series of quality seminars, with the participation of consultants from experts from the tax, technology and banking sectors. From there, business owners can exchange experiences, share and learn practical problems. This September, a workshop with the theme "Operating business, advancing quickly thanks to solutions" will continue to take place, bringing businesses new perspectives and good solutions to operate a smooth and convenient business model.
Thus, from pioneering in digitalizing financial services to designing preferential loan packages close to actual needs, the bank is always steadfast in its guideline "Accompanying small traders - Steadfastly prosperous", supporting business households to develop sustainably, confidently transforming in the face of changes in the times.
