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SMEFP III (Small & Medium Enterprise Finance Program) is a preferential medium and long-term loan product for SME customers jointly deployed by VietABank, Management Board of International Credit (ODA) Projects - SBV and Japan International Cooperation Agency. With this product, VietABank is committed to providing the most favorable medium and long-term financial solutions for customers to invest in business development and expansion.

Product benefits:

  • The loan term up to 10 years with a grace period of up to 2 years.
  • Preferential lending interest rates: only 6.5% p.a.
  • Financing level is up to VND 25 billion per loan.
  • Quick and simple procedures.

Loan conditions:

  • Customers are SMEs that satisfy the following size conditions:

Business line

Total assets


Number of employees (enrolled in social insurance)

Agriculture, forestry, fishery, industry, and construction

VND 100 billion

300 employees

Trade and service industry

VND 50 billion

100 employees

  • Loan purpose: To invest in factories (excluding rent and land purchase), machinery, equipment and means of transport directly serving production and business activities.
  • Customers operating in the following business lines: agriculture, forestry, fishery, industry, construction, trade and services (except for restaurants, hotels, entertainment establishments, weapons and ammunitions, real estate, finance, insurance, precious metal trading).

Contact: For more information about the program/product, please contact:

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