Techcombank emerges as a leading financial partner for SMEs, supporting Vietnam's infrastructure-led growth

Vietnam is accelerating development through public investment, infrastructure expansion, industrial zone growth, urban development, and efforts to attract foreign direct investment (FDI), while also promoting digital transformation and deeper integration.

Small and medium-sized enterprises (SMEs) are a key part of this process. They account for over 97% of all businesses and operate across most links in the value chain—from bidding on infrastructure projects and mid-sized real estate to subcontracting, supplying materials and equipment, providing services, and supporting logistics and transport. By contributing at multiple stages, SMEs help maintain the progress and efficiency of infrastructure projects, industrial parks, and urban areas nationwide.

Cause: Complex supply chains and rising project requirements

While the government is strengthening mechanisms to enable SMEs to participate more deeply and build capabilities, large-scale projects also involve complex supply chains. In practice, cash flow, project progress, and financial capacity at each link can affect the performance of the entire chain.

As project requirements increase, the challenge is not only whether SMEs can access opportunities, but whether they can secure sufficient financial footing and operating capacity to meet those demands.

Development: Banks expand from credit providers to strategic partners

Under pressure from cash flow constraints and tight timelines, banks’ roles are expanding. Beyond providing standalone credit, banks are increasingly acting as strategic financial partners—coordinating capital, guaranteeing obligations, and optimizing cash flow across the supply chain.

This support is positioned as a foundation that helps SMEs participate effectively and sustainably, whether at bidding, execution, procurement, or logistics stages.

Data and focus areas: Techcombank’s SME cooperation approach

Sharing the direction of cooperation with the business community, Mr. Henry Lam, Senior Director of Retail Digital Banking at Techcombank, said: “Every SME is a vital piece in the broader development picture of a New Vietnam. By partnering with businesses from opportunity access, project deployment to sustainable operation, Techcombank hopes to become a long-term partner helping businesses grow, optimize operations, and enhance competitiveness, aligned with the government’s orientation to emphasize the central role of the private sector in the country's era of expansion.”

Based on its understanding of sector-specific characteristics and financial needs across project stages, Techcombank focuses on two core SME groups:

• Enterprises directly bidding infrastructure and real estate projects.
• Contractors and suppliers in the value chain of major works.

The bank says it supports businesses by connecting financial resources, accelerating digitization, and optimizing cash flow to help SMEs seize growth opportunities and deepen participation in national development.

Impact and implementation: Commitment and SME solutions

At Techcombank Investment Summit 2025, themed “New Vietnam – A Vision to Create Value,” Techcombank reaffirmed its commitment to accompany the private sector—especially the SME community—to unlock resources and jointly build a strong, prosperous Vietnam.

Alongside its role as a capital arranger for many large enterprises in key sectors, the development of specialized solutions for SMEs is presented as a concrete action to support that commitment.

Enterprises interested in SME solutions can visit Techcombank’s website or call 1800 6556 for detailed advice.

Policy note: Applies according to Techcombank's policies and regulations, which may change over time.