In practice, SMEs typically have limited financial reserves, while their production and business activities depend heavily on short-term capital turnover and daily cash flow. In response, many banks have adjusted their approach, shifting from appraisal models based mainly on collateral to assessments centred on cash flow and operational capacity. Banks have also stepped up investment in digital platforms and specialised financial solutions for SMEs, expanding their services beyond lending to include cash flow management, corporate digital banking and electronic payments. Some banks approach SMEs from a cash flow management perspective. Meanwhile, VPBankSME has adopted a broader approach to capital and management solutions, developing support packages based on actual cash flow and business cycles.

Source: VietNamNet News February 16, 2026 03:43 UTC