Opportunity to own quick capital with M-Fex for businesses

(Dan Tri) - With high limits, preferential interest rates and quick approval time, MSB's M-Flex mortgage loan solution becomes a flexible financial support for businesses, helping to accelerate business in the last months of the year.

Access to capital is always one of the barriers to business development when loan procedures are complicated, approval time is long, interest rates are high and collateral is limited. These difficulties not only cause delays in project implementation but also increase financial pressure, affecting the competitiveness of businesses.

At MSB, key digital solutions for businesses deployed such as online lending, transaction processing automation and eKYC application are bringing convenience, speed and efficiency to this customer group.

Reduce financial stress with fast approval times

With M-Flex, customers can complete their application online (no need to submit hard copies) and MSB's system will automatically evaluate the application. With an approval time of only 4 working hours from the time MSB receives the complete application, businesses not only save time but also quickly resolve urgent financial needs, promptly seizing business opportunities.

Customers are receiving product advice at MSB (Photo: MSB).

Mr. Hoang Hung - Director of a metal manufacturing enterprise in Hanoi - said: "Previously, my company used to spend many days, even weeks waiting for loan application approval, causing capital flow to be delayed, affecting production progress. When switching to MSB's M-Flex, the application was approved within 4 hours, and disbursed after 2 hours, helping us shorten the waiting time, allowing us to expand production and business soon."

In fact, many businesses are currently facing the pressure of high interest rates, which increases financial costs and directly affects profits. In addition, the loan limit is not enough to meet the capital expansion needs, making it difficult for businesses to develop their development plans.

Using M-Flex, businesses with revenue of 10 billion VND or more that meet the program's conditions can receive attractive interest rates and a maximum credit limit of 15 billion VND. The maximum credit limit period of 12 months helps businesses easily adjust their debt repayment plan to suit their actual cash flow.

A representative of a technology company in Ho Chi Minh City shared that this limit helps the company take financial initiative, reduce cost burdens and expand operations more effectively.

Along with that, M-Flex provides flexible solutions in choosing collateral, allowing businesses to use many different types of assets such as real estate, property ownership, property rights, and cars as collateral, expanding access to capital for many different industries and scales.

M-Flex and initial results

M-Flex is built based on the actual needs of customers for capital and capital access procedures. Therefore, although it has only been launched on the market for a short time, this solution has received the attention and experience of many businesses.

After 6 months of implementation, M-Flex has contributed to a 37% increase in the total newly approved small and medium-sized customer portfolio of MSB. 70% of applications are approved within 1 hour of customers submitting their applications to the bank, while the approval process for normal applications takes from 10 days to 2 weeks.

With those initial results, at the recent Vietnam Outstanding Banking Awards 2025 (VOBA) ceremony, MSB was honored as "Bank with outstanding innovative products and services 2025" M-Flex.

This award honors banks with outstanding achievements, innovation and positive contributions to the development of the Vietnamese finance and banking industry, and is also a worthy recognition for MSB's efforts in the journey of innovation and customer-centricity.

Mr. Nguyen Phi Hung - Deputy General Director of MSB - received the award for M-Flex (Photo: MSB).

“With M-Flex, MSB not only provides fast and preferential capital but also becomes a trusted companion to help businesses overcome financial barriers, accelerate development and stand firm in the challenging market,” MSB representative affirmed.

For more information about M-Flex, visit: https://vaydoanhnghiep.msb.com.vn or contact hotline: 18006260.

Source: https://dantri.com.vn/kinh-doanh/co-hoi-so-huu-nguon-von-nhanh-chong-voi-m-fex-danh-cho-doanh-nghiep-20250926134018096.htm