SPECIAL FINANCING OFFER: UP TO 100% FINANCING AVAILABLE

It is a leading financial leasing company, providing professional capital financing solutions for the small and medium-sized enterprise market in Vietnam.

BSL boasts strong financial capabilities with a charter capital of [Amount] and total assets of [Amount], backed by two leading strategic shareholders: Bank for Investment and Development of Vietnam JSC (BIDV) and Sumitomo Mitsui Trust Bank Limited.

BSL's extensive network with offices in Hanoi, Ho Chi Minh City, and Da Nang, along with close cooperation with over 190 BIDV branches nationwide, enables us to serve customers quickly and conveniently. The close relationship between SuMi TRUST and Japanese suppliers and customers provides BSL with valuable resources and experience, contributing to enhanced service quality.

SPECIAL FINANCING LEASE PROGRAM

- High financing ratio up to 100% of the product value.

- Preferential interest rates:

+ 3-month fixed: 6% per annum.

+ 6-month fixed: 6.5% per annum.

- Floating after the fixed period: From 8.1% per annum (equal to BIDV's 12-month VND individual savings deposit interest rate with interest paid afterwards + minimum margin of 2.5% per annum).

- Flexible lease terms up to 60 months.

- Security deposit: 10%

Note: Specific lease conditions are subject to customer credit assessment.

FINANCIAL LEASING APPLICATION AND CUSTOMER GUIDELINES 

1. Eligible Customers

- Businesses

- No outstanding debts classified as Group 2 or higher within the past year

- Minimum 3 years of operation

- Profitable operations in the most recent fiscal year with no accumulated losses

2. Application Process

- We will provide consultation based on your initial information.

- Customer needs will be submitted to BSL.

- BSL will evaluate the application and provide feedback.

Note: All applications are subject to credit assessment for final approval.

3. Required Documents

Customer-provided documents:

a. Legal Documents

- Business registration certificate

- Company charter

- Minutes or resolutions appointing company management positions

b. Financial Documents

- Audited financial statements or tax finalization reports for the past 2 years and the most recent quarter (including notes to the financial statements)

c. Project Documents

- Company minutes or resolutions regarding financial leasing and supplier selection

- Investment plan for the asset

- Preliminary agreement or quotation from the distributor

A BRIEF INTRODUCTION TO BIDV - SUMI TRUST LEASING COMPANY (BSL)

Officially launched in 2017, BIDV - SuMi TRUST Leasing Company Limited (BSL) is a leading financial leasing company, providing professional capital financing solutions for the small and medium-sized enterprise market in Vietnam.

BSL possesses strong financial potential with robust support from strategic shareholders, two leading banks in Japan and Vietnam: Bank for Investment and Development of Vietnam JSC (BIDV) and Sumitomo Mitsui Trust Bank Limited.

With a nationwide network and a management team with many years of experience in the Vietnamese and Japanese financial markets, 1  BSL has been, is, and will continue to innovate and develop diverse, flexible, and competitive services, ensuring the goal of providing customers with superior financial products.

The BSL team comprises experts in financial leasing services, meeting all customer expectations. BSL truly understands the challenges customers face, allowing them to have complete trust throughout the financial project lifecycle and beyond, building sustainable relationships.

BSL's products and services are designed to promote investment and business growth for customers. BSL does not offer standard packages, but we consider all aspects related to your business and then create a flexible and suitable repayment schedule. They are committed to helping customers make sound financial decisions based on factors determining the overall health and development plan of the business - not just based on credit ratings.

Customer benefits: financing up to 100% of the leased asset's value, no need for collateral like traditional loans, effective use of capital, diversification of capital sources, preservation of credit limits from banks, flexible lease terms, flexible repayment options, attractive lease interest rates, minimized administrative procedures, and comprehensive financial solutions.

Financial Leasing Assets (including both new and used assets): equipment and means of transport, construction machinery and equipment, office equipment, medical equipment, machinery, production equipment, and other types of assets (not prohibited by law).

Financial Lessee: Businesses that are legal entities.

Lease term: Depends on the useful life of the asset and the financial situation of the Lessee. Usually from 3 years to 10 years.

Lease interest rate: Competitive interest rates, floating or fixed depending on the agreement between BSL and the Lessee.

PARENT COMPANIES

BIDV - Bank for Investment and Development of Vietnam JSC is a leading and reputable joint-stock commercial bank in Vietnam with over 60 years of operation. It provides a diverse range of services, including commercial banking, securities, insurance, life insurance, asset management, and financial leasing.

Sumitomo Mitsui Trust Bank, Limited is the leading and most prestigious trust bank group in Japan, with over 90 years of experience providing services in both the Japanese and global financial markets. It owns a financial leasing company with a diverse portfolio of leasing products developed over the past 50 years.