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Cashberry - quick, convinient 24/7 online loans solution

CashBerry is a financial company, providing an online loan consultation service that is fully automated, disbursed within the day.

Loan term, days

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Payment date: 1
To return: 1 ₫

The conditions for applying for a loan at Cashberry

4 easy steps to register for a loan

1
Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
2
Getting approval and Signing an Agreement
The approval results will be anounce via phone call. Only need to log in to Personal account and sign an Agreement.
3
Receive money
After the application is approved, our partner will transfer the money to your account.
4
Repayment
Make repayment to our partner according to the instructions.
Loan
Loan
with flexible terms at CashBerry
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum
Get loan
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum

Để vay vốn kinh doanh một cách hiệu quả, cần tìm hiểu lãi suất vay khởi nghiệp của các ngân hàng, từ đó chọn ra ngân hàng phù hợp.

You have a business plan but have not implemented it because of lack of capital. Instead of having to borrow hot from reputable organizations with high interest rates, a bank loan is considered the most optimal choice. However, before choosing which bank to borrow, you need to learn about the start-up loan interest rate to be able to calculate the source of money. 

In the start-up phase, there will be many people who have difficulty in capital. Understanding this, many banks deploy start-up loan packages to help customers do business more smoothly.

Why should you get a start-up loan from a bank?

For young people just starting a business, capital is always a top concern and focus. So, where to borrow money to start a business ? Currently, there are many ways to raise capital such as:

●    Start-up loans at banks and financial companies .

●    Borrowing property from family members for mortgage and pledge.

●    Borrow money from relatives, friends, colleagues.

●    Borrowing capital from funding sources to support young start-ups

●    Quick loans or hot loans online at private lending units.

Of the above sources of capital, a start-up loan at a bank is the most optimal choice for the following reasons:

Start-up lending banks often apply the method of calculating interest according to the reducing balance. Compared to calculating fixed interest based on the principal balance, calculating interest on a decreasing balance will help you reduce your debt burden. If the market moves in a good direction, you can also enjoy favorable interest rates.

- Start-up loan packages have a long loan period of up to 60 months. With such a long period of time, you can develop your production and business, create a source of money and ensure the ability to pay your debts periodically.

- You can also get unsecured startup loans from banks, but consider the interest rate.

- You can also borrow from many different banks at the same time as long as you have financial commitment. Currently, you can get business loans, start-up loans at banks such as: VPBank, TPBank, BIDV, Agribank, Vietinbank, Sacombank, Vietcombank,...

Choosing a bank for a start-up loan is also an appropriate option

Choosing a bank for a start-up loan is also an appropriate option

Depending on the different lending policies that each bank will give a loan interest rate startups lending business produced different. Here, let's find out with CashBerry the start-up loan interest rates of the top 10 reputable banks.

Start-up loan interest rates of top 10 banks

1. Business loan from Vietinbank

Vietinbank applies a floating interest rate for business working capital loans from only 5%/year, specifically:

– Preferential interest rate for Vietinbank business loans is fixed at only 7.7%/year for the first 12 months for loans with a loan term of 36 months or more.

– Preferential interest rates for fixed business loans are only from 8.62%/year for the first 24 months for loans with a loan term of 60 months or more.

– Preferential interest rates for fixed business loans are only 9.5%/year for the first 36 months for loans with a loan term of 120 months or more.

2. Business loan from VPBank

VPBank applies the following interest rates:

– Start-up loan interest rate : 7.9%/year.

– VPBank business loan interest rate in installments: 7.9%/year.

Loan interest rate of business households: 8.6%/year.

3. Techcombank business loan

Techcombank's business lending interest rates are at the following levels:

– Super fast business support loan: 5.99%/year.

– Loan for specific rural development: 5.99%/year.

Loans for other business activities: 7.49%/year.

4. Vietcombank business loan

The interest rate on business loans at Vietcombank is being applied at 6%/year for small and medium-sized business customers.

5. Business loan SHB

SHB is applying specific interest rates for business loans as follows:

- Borrowing to supplement working capital in installments: 8.5%/year.

– Ordinary business loan: 8%/year.

Loans for business households: 8.5%/year.

– Borrowing from fixed assets: 8.5%/year.

6. Business loan from Dong A bank

Dong A Bank is applying business loan interest rate at an average of only 5.5%/year. This interest rate is considered to be quite competitive in the current market.

7. OCB bank business loan

OCB is applying the interest rate for business loans at an average rate of only 5.99%/year.

8. Business loan from BIDV

BIDV is applying interest rates for business loans at an average rate of only 6.5%/year.

9. Eximbank business loan

Eximbank is applying average business loan interest rates of only 8.5%/year. For each specific loan package, the corresponding interest rate will be as follows:

– Borrowing for additional business capital: 9.0%/year.

– Small business loans: 9.0%/year.

– Business overdraft loan: 9.0%/year.

Loans to expand production and business development: 8.0%/year.

10. ACB bank business loan

ACB is applying the interest rate for business loans at an average rate of only 9.8%/year.

Above are the reference interest rates for business loans and start-ups of some typical banks. To know the specific interest rate and terms attached, you need to go to the bank's transaction branch and ask a consultant for support.

Each bank will have a different interest rate, ranging from 5% - 9%/year

Each bank will have a different interest rate, ranging from 5% - 9%/year

3 golden tips for startups

For start-ups, the factors of target customers, business location or start-up loans all have a great influence on the success of the business.

According to statistics, 90% of startups fail within the first year of operation, 50% of all new businesses fail within 5 years, only a few remaining succeed and grow up. One of the main reasons is said to be lack of capital and lack of understanding of the market.

Therefore, in addition to the prerequisite factor that is the quality of products and services, factors such as target customers, business locations or start-up loans are also having a great influence on the success of a business.

Choose the right target customers

Many people embark on the business process as soon as they have an idea or just because they have experience in a certain field without investing in market research, researching the target customer segment of their business. This is a huge weakness.

Failure to accurately identify potential customers makes start-up owners not know where to start reaching customers, or will reach the market in a relatively wide range.

With the common characteristic of startups that the initial capital is still modest, this spread approach "consumes" a lot of resources but does not bring much revenue. Worse, if you identify the wrong customer, you will lose valuable coins in vain.

To identify the right target customers, you need to thoroughly research the market, invest time in interviewing many customers. Next, you need to build a detailed profile of your potential customer.

Once you have an accurate description of who your customers are, their income levels and interests, where to find information, etc., your business decision making will become much easier and more efficient. .

Identify target customers, you will have a specific business orientation

Identify target customers, you will have a specific business orientation

Choose the right business location

Choosing the wrong business location can greatly affect your business results. If you have a luxurious headquarters but located in a poorly secured area, your other efforts are almost meaningless.

If you do business in entertainment and relaxation services, you should not place them near sanctuaries, temples, or churches to avoid customers being afraid. If the customer is female, it is necessary to find convenient and safe traffic areas for weak drivers.

Choosing the right source of capital

A question business people are interested in but not everyone has the right answer, is capital. You need to understand the strengths and weaknesses of each capital source to have an accurate use plan.

If you decide to borrow money from relatives and friends, you need to determine that this is an unstable source of capital. Many young people who received "bitter fruit" while doing business suddenly withdrew their capital because the lender changed his mind.

If you call for investment from large organizations, you need to carefully consider the terms to avoid following the "falling down" of successful start-ups but losing all management rights to investors.

In general, if you intend to find money from a bank, you need to carefully understand the start-up loan interest rate and specific conditions. High interest rates can put you under price pressure and make your business difficult. Ideally, you should contact banks directly for advice on business loan packages, start-up loans for the right individuals, production and business to enjoy the best incentives.

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