Small and medium-sized enterprises (SMEs) constitute approximately 98% of active businesses in Vietnam, playing a pivotal role in the private economic sector. Enhancing their access to capital and supporting their sustainable development is a crucial task for the financial system.

In response to this context, SeABank develops "tailored" financial solutions specific to each business group, complemented by practical non-financial support policies. Notably, the comprehensive solution package for newly transformed businesses provides preferential capital and assistance in management and legal matters, helping enterprises operate systematically from their initial phase.

SeABank develops a specialized financial solution system exclusively for SME businesses. Photo: SeABank

Integrated benefits include an unsecured corporate credit card with a limit of up to 300 million VND; an additional 0,3% annual interest rate for the first deposit contract; and a 50% reduction in guarantee issuance and amendment fees. Businesses also receive free issuance; no annual fee for the debit card's first year; no account management fees; a complimentary "beautiful number" account valued at up to 30 million VND; free domestic payment fees; and one year of SeANet/SeAMobile Biz usage. Beyond financial incentives, clients receive support for tax and accounting consulting, digital transformation training, and financial management to enhance operational capabilities.

Concurrently, the bank developed a fast-moving consumer goods (FMCG) business financing package, offering an unsecured overdraft limit of up to 5 billion VND. This package provides diverse credit forms, including: limit-based loans, payment guarantees, and the issuance of immediate, deferred, or UPAS letters of credit (L/C), meeting the working capital needs of businesses within the supply chain.

The bank implements an FMCG financing package of up to 5 billion VND for businesses. Photo: SeABank

The bank also launched the SeABiz Ultra Cash debit card, offering up to 5 million VND cashback per month for goods and services transactions. This helps businesses optimize cash flow and enhances their payment experience.

According to a SeABank representative, products for SMEs are designed to be flexible, reducing procedures, enabling businesses to access capital quickly, and providing continuous consultation from a team of experts. In addition to financial products, the bank regularly organizes workshops, seminars, and training programs to enhance the management capabilities and competitiveness of Vietnamese businesses.

With its vision of "Putting people and community first," SeABank consistently prioritizes promoting financial inclusion, alongside climate finance. Since 2021, the bank has mobilized over 1 billion USD from international financial institutions to implement sustainable initiatives; in 2024 alone, this reached nearly 300 million USD.

These resources are utilized to expand financial and non-financial programs for SMEs and women-owned businesses. For its contributions to the development of Vietnamese enterprises, SeABank has received numerous accolades, including: "Best Capital Provider for the Construction Sector 2024" (Vietnam Federation of Civil Engineering Associations); the SeAPower Women Entrepreneurs Club initiative was honored in the "Gender Equality in the Marketplace" category at the UN WEPs Award 2024 (UN Women) and the "Gender Equality and Women's Empowerment in Vietnam" category at the ESG Business Awards 2025.

A bank representative stated that building a comprehensive financial ecosystem facilitates easier capital access for businesses, strengthens their long-term autonomy, and in turn, creates employment opportunities and promotes financial inclusion. This initiative forms part of SeABank's long-term ESG strategy, aligning with the United Nations Sustainable Development Goals (SDGs) for decent work and economic growth, and reduced inequalities.

Minh Ngoc