Removing the capital "bottleneck" for construction and installation enterprises

Wide open opportunities - businesses "exhausted"?

According to statistics from the Ministry of Finance , in the first 6 months of 2025, Vietnam attracted 11.72 billion USD of FDI capital, of which investment in the industrial and infrastructure sectors was quite prominent. At the same time, the North-South expressway projects, Long Thanh airport, and new industrial parks were restarted. These are positive signals for the construction and building materials market, creating great demand for construction and opening up strong growth space for businesses.

In particular, policies from the Government such as Decision No. 523/QD-TTg on the establishment of working groups to inspect, urge, remove difficulties and obstacles, and promote annual disbursement of public investment capital at ministries, central and local agencies also contributed to reactivating the entire value chain for the construction industry.

However, there is a paradox that is happening, that is, the opportunity is great, but many businesses are "exhausted" due to lack of cash flow. Having to advance capital for construction while payment is delayed according to progress, labor and material prices are escalating, slow disbursement from investors... is causing the working capital of contractors to shrink. Weak capital turnover ability causes businesses to lose the opportunity to receive contracts or be fined for contracts due to slow progress, especially small and medium enterprises.

Although many solutions have been proposed to solve capital difficulties for businesses, the implementation process in reality has not met expectations. Faced with these challenges, a question arises: what is a strong enough solution to solve the financial "bottleneck" of construction and installation businesses?

Financing package from SeABank : Practical solution for construction businesses

SeABank's solutions provide maximum support for construction businesses.

Based on the reality of capital difficulties that businesses are facing and the goal of opening up credit flows to help businesses seize opportunities, Southeast Asia Commercial Joint Stock Bank (SeABank) has built and developed many products and services to support businesses in increasing capital sources and seizing development opportunities. A typical example is the implementation of the Construction Financing Package - a specialized financial solution for businesses in the construction industry. This credit package aims to solve the problem of short-term working capital, helping contractors be flexible in guarantees and payments.

With SeABank's construction financing package, businesses can access diverse forms of credit, including: Loans to supplement working capital on a one-time basis or by limit, opening L/Cs to import equipment and materials, issuing appropriate guarantees for bidding packages... to meet customers' credit needs to the maximum, from the bidding stage to the handover and warranty stage. The maximum loan term of 12 months helps construction businesses have a reasonable and flexible payment time.

In particular, the collateral of this product is quite flexible, not limited to tangible assets, but includes the right to claim debt formed in the future or formed. This is an opportunity for businesses that do not have available collateral. Notably, the guarantee rate at SeABank is quite preferential, and can borrow up to 100% unsecured. With advance guarantees, flexible and timely clearance procedures, the fastest capital support for businesses.

The strength of SeABank's Construction Financing Package lies in its ability to "remove" capital barriers that construction businesses often encounter, from the lack of traditional collateral to the need for quick advance guarantees to implement projects on schedule. All procedures are handled in a comprehensive and quick manner with SeABank's optimized process.

It can be seen that while capital flow is still a big barrier for many businesses, especially construction units, the timely appearance of practical financial products such as SeABank's funding package is expected to help contractors remove bottlenecks, speed up construction progress and seize opportunities. Enterprises' access to proactive, flexible and safe capital flow is a solid premise for reaching the finish line early in the growth race.

With flexible and optimal financial solutions for customers, SeABank was honored to receive the award "The most optimal financial institution providing capital for the Construction industry in 2024" from the Vietnam Construction Association. This is a recognition of the Bank's long-term companionship with construction enterprises.

Source: https://www.seabank.com.vn/tin-tuc/tin-seabank/news/thao-nut-that-von-cho-doanh-nghiep-nganh-xay-lap