In the context of the post-pandemic economic recovery, the small business and e-commerce model in Vietnam recorded a strong growth rate, entering the top 10 in the world (according to data from Aglobal - an e-commerce service provider). According to the Ministry of Industry and Trade , in 2024, the market size will reach over 25 billion USD, an increase of 20% compared to 2023, accounting for about 9% of total retail sales of goods and consumer service revenue nationwide. This shows that consumers increasingly prefer online shopping methods. Along with that, the whole country has more than 5 million individual business households and small shops facing difficulties in accessing bank credit due to lack of collateral and loan procedures/documents.
Grasping this trend, SeABank officially launched the SeAShop - Unsecured Business Loan product to support business households and online store owners who need to expand working capital, import goods or renovate business premises. SeABank representative said: SeAShop is designed based on three key factors : fast, flexible and transparent. The special feature of this product is that customers only need to prove their revenue through a bank account or tax declaration, no collateral is required, which helps expand access to capital for customers outside the traditional credit sector. At the same time, the approval profile is shortened and disbursed directly through the SeAMobile application, helping customers track their loans transparently, easily and quickly.
In addition, SeAShop also has outstanding advantages: Interest rate from 1.08%/month, fixed throughout the loan period, helping businesses easily estimate capital costs; Loan limit up to 300 million VND, equivalent to one month of average sales revenue of many small stores; Free early repayment to support customers to reduce costs when paying off early.
SeAShop is a solution for businesses operating in the fields of food retail, fashion , cosmetics, furniture, etc. or doing business through digital platforms such as Shopee, TikTok Shop, Facebook, Zalo, etc. This is a group of customers with high revolving capital needs, familiar with digital technology and prioritize flexible, unconstrained financial products.
In particular, SeAShop was developed by SeABank with the support of international partner Women's World Banking - a global non-governmental organization promoting financial inclusion and women's empowerment. The product aims at business loan solutions for individual business households, especially prioritizing households headed by women, a customer group that often faces many barriers in accessing traditional credit.
With SeAShop, SeABank wishes to accompany the development of millions of individual business households in Vietnam, contributing to promoting comprehensive finance. The product not only helps customers access transparent capital sources and competitive interest rates, but also promotes the digitalization process in the financial and banking sector. To accompany businesses sustainably, SeABank cooperates with Women's World Banking to create the fanpage "Startup Community 5.0" on Facebook, hoping to share more in-depth experiences in business and startups.
The launch of SeAShop also demonstrates SeABank's commitment to continue expanding its retail and digital finance sectors, focusing on exploiting potential segments such as individual businesses and e-commerce. At the same time, it clears bottlenecks, supports businesses to increase their resilience, and realizes the goal of 2 million businesses.
Interested customers can learn more and register at: http://bit.ly/4ksuZRH or call customer service hotline 1900555587.
Source: https://www.seabank.com.vn/tin-tuc/tin-seabank/uu-dai-the-sb-migrate/seabank-ra-mat-goi-vay-tin-chap-seashop-giai-phap-von-cho-ho-kinh-doanh
Comment (0)