The program, "Solutions for Business Households – Easy Transition, Strong Business", is available from 1/4 to 30/6, or until the budget is exhausted, across all SHB branches. It targets business households and individual entrepreneurs who open a new payment or business household account with the bank in 2026 and utilize the store management feature on the SHB SAHA application or SHB Corporate Online service.

SHB has partnered with Misa to deliver an integrated solution package. This includes: sales software, digital signatures, and e-invoicing, assisting business owners in managing sales, controlling cash flow, processing payments, and issuing electronic invoices as required, thereby standardizing operational activities.

To access these benefits, customers must complete 3 steps: open an account at SHB and contact a branch or transaction office for an incentive code; register to purchase Misa sales software on the SHB SAHA application using the provided code; and successfully link their bank account with the Misa software.

A bank representative stated that the increasing demand for transparency and standardization, particularly concerning e-invoice regulations and tax management, makes digital tools essential for business households. These management platforms simplify operations, track real-time revenue, and ensure regulatory compliance, ultimately boosting business efficiency.

SHB waives 5 years of payment speaker usage fees for business households. *Photo: SHB*

In conjunction with the software offering, SHB is implementing a financial solution ecosystem tailored for business households, focusing on cash flow management and capital access. The bank provides a suite of tools for real-time transaction control, including a balance change notification speaker, a store management feature to monitor revenue and segregate cash flow, alongside attractive account numbers valued up to 25 million VND.

For capital, SHB offers flexible business production loan packages. Unsecured loans have a maximum limit of 300 million VND, with interest rates starting from 0,06% daily, and are interest-free if fully repaid on the same day, with online application available. For loans with collateral, the maximum limit covers 85% of capital needs, with terms extending up to 25 years, and interest rates and repayment schedules designed to suit business cash flow.

Furthermore, the bank provides online savings products, enabling business households to manage their capital proactively and increase savings.

An SHB representative highlighted that business households and individual entrepreneurs are a vital force in the economy, possessing a significant need for accessible and practical financial technology solutions. Based on this, the bank is expanding its product and service ecosystem and strengthening partnerships to support customers in enhancing management capabilities, financial transparency, and adapting to digital business trends.

"The coordinated implementation of these solutions aims to help business households gradually transition from manual models to systematic, modern management, thereby creating a sustainable financial and technology foundation and promoting digital transformation within the private economic sector," an SHB representative explained.

Minh Ngoc