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ACB says it is going beyond compliance support to help small business households build a foundation for growth. The bank’s approach links operations, markets, and financial resources, aiming to move businesses from “doing things right” in a timely manner to gradually “growing big” in the next phase.
Business households are in an early stage of standardization required by tax authorities, with a focus on transparent cash flow and declared activity. Providing information about bank accounts and e-wallets and fulfilling tax obligations according to revenue, as referenced in Circular 18 of the Ministry of Finance, helps regulators record business activity accurately and supports unified, modern management for the small business sector.
As standardization requirements become more specific and stringent, many households are rethinking their operating model. For years, many businesses have operated manually, using handwritten records, dispersed cash flows, and not clearly separating personal and business accounts. While this may work at the initial stage, limitations appear as the business scales and the operating environment demands greater transparency and standardization.
ACB frames the transition as more than meeting requirements. When cash flow is fully recorded and revenue and costs are controlled transparently, business owners gain data for decision-making for the first time, reducing reliance on intuition and personal experience. In this view, standardization becomes a foundation for disciplined management and scalable growth.
ACB argues that operating standardization is not only an internal issue for individual businesses and requires comprehensive accompanying solutions. It says that if small businesses are only given procedures or standalone tools, they may still struggle to turn “doing right” into “doing big.”
To address this, ACB is launching a total solutions package worth up to 30 million VND for small businesses, structured as a broad-scope program built around three pillars: standardizing operations, strengthening sales capabilities, and expanding markets.
According to Mr. To Tien Phat, CEO of ACB, the bank’s approach is designed to support long-term growth rather than only compliance. He said: “If we stop at compliance support, we will have solved only half the problem. The other half is helping small businesses grow. If equipped with the right tools and platform, this is an opportunity for them to break through. This package thus not only helps customers operate better but also provides access to markets, scale, and sustainable growth.”
In partnership with FinOne, ACB supports standardizing the operating foundation from basic steps. The package includes free payment acceptance devices such as POS and QR and related devices, digital signatures, and 1,000 electronic invoices. ACB says this helps small businesses centralize and clarify cash-in, cash-out, and revenue recognition.
This package focuses on developing business on digital platforms, including selling on TikTok, livestreaming, digital advertising, and AI applications. It also includes specialized tax training to help small businesses operate properly in a transparent business environment.
The package supports brand promotion within the ACB Rewards ecosystem, connecting to more than 9 million ACB customers, beyond loyal customers or traditional local markets.
ACB also offers a 1% loan interest reduction, with the program stated as “up to 5 trillion,” to help business owners stock goods, invest in sales channels, and expand operations based on actual needs.
ACB says the gap between “doing right” and the ability to leverage transformation to “do big” is widening as standardization becomes non-optional. It adds that when transformation costs are controlled, cash flows are standardized, and customer reach is expanded, transformation can shift from a burden to a growth lever. The remaining question, the bank says, is whether business households are ready to seize the opportunity.
For customers interested in these programs, information is available via the provided link or by contacting the 24/7 hotline at (028) 38 247 247 or the nearest ACB branch for advice and support.
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