Techcombank launches rapid bid guarantees and unsecured credit facilities to support SMEs in Vietnam's infrastructure push

Vietnam is stepping up public investment, developing infrastructure, expanding industrial zones and urban areas, and intensifying foreign direct investment, while also pursuing digital transformation and deeper integration. SMEs are present across most links of the value chain—from bidding on infrastructure projects and mid-size real estate to subcontracting, supplying materials and equipment, providing construction services, and supporting logistics and transport.

SMEs represent more than 97% of all enterprises in Vietnam and play a role in ensuring the progress and efficiency of infrastructure projects, industrial zones and urban areas nationwide. The government is also promoting mechanisms to involve SMEs more deeply, creating opportunities for domestic firms to grow and strengthen capabilities. However, large infrastructure projects often involve complex supply chains in which cash flow, schedules and the financial capacity of each link can affect the entire chain.

Cause: cash-flow and schedule pressure across supply chains

Behind the opportunity to participate in projects lies a practical challenge: how SMEs can secure a solid financial base and operational capacity to meet increasingly demanding requirements. Under cash-flow pressure and tight schedules, banks are taking on a broader role—moving beyond standalone lending to become strategic financial partners that coordinate capital flows, guarantee obligations and optimize cash flow across the supply chain.

Development: guarantee and working-capital solutions for SMEs

Techcombank says it has developed a financial solution ecosystem tailored to SME needs, particularly for firms involved in infrastructure, real estate and critical supply chains. A key offering is an ultra-fast bid guarantee solution with issuance in one hour, designed to help enterprises complete documentation promptly and participate proactively in tenders with tight timelines.

Techcombank also applies a policy of free bid guarantees, aimed at helping SMEs reduce upfront costs when approaching projects. In a competitive environment, the bank says lowering initial cost pressure can improve enterprises’ bid-winning probability.

In addition to guarantees, Techcombank has introduced a working capital credit solution with no collateral. The solution includes margin subsidies up to 0% according to policy, providing flexible funding to supplement working capital and meet financial requirements during project execution without tying capital up in collateral assets—an obstacle for many SMEs. The bank says access to fast and flexible funding helps maintain cash flow across the project lifecycle, from bid win through construction, acceptance and payment.

Data and platform integration: digital tools linked to procurement

Techcombank also highlights digital transformation as a way to improve SME efficiency and reduce costs. Through the Techcombank Business platform and an online bid-bond service connected to the National Public Procurement Portal, enterprises can shorten processing time, optimize costs and enhance financial control.

The bank also offers corporate credit cards to support more flexible payments, expense management and short-term cash flow during project execution.

Impact and focus: supporting SME participation in national development

Henry Lam, Senior Executive Vice President of Retail Digital Banking at Techcombank, said: “Every SME is a crucial piece in the vision of a new Vietnam. By partnering with businesses—from opportunity access, project deployment to sustainable operation—Techcombank aims to be a long-term partner that helps enterprises grow, optimize operations, and boost competitiveness, aligned with government priorities to emphasize the central role of private sector in the country’s rise.”

With understanding of financing needs at each project stage, Techcombank focuses on two SME segments: enterprises directly bidding on infrastructure and real estate projects, and contractors and suppliers in the value chain of key works. The bank says it supports firms to seize growth opportunities and participate more deeply in socio-economic development by connecting financial resources, promoting digitization and optimizing cash flow.

Implementation and access to information

At Techcombank Investment Summit 2025 under the theme “New Vietnam – Creating Value,” the bank reaffirmed its commitment to accompany the private sector, especially SMEs, to unlock resources and jointly build a strong, prosperous Vietnam. Techcombank says developing specialized solutions for SMEs is part of its actions to realize this commitment.

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

Subject to Techcombank policy and regulations, may change over time.