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In addition to traditional banking channels, businesses should diversify their sources of long-term capital from other funding channels. Among these channels, financial leasing is a credit source that enables businesses to invest in their long-term capacity and resources.

Businesses’ funding-seeking habits

Despite the suitability of financial leasing products for business customers, especially small and medium-sized enterprises, this long-term capital mobilization channel is still not widely known. The main reason is that businesses are familiar with traditional banking services, and banks are also willing to provide credit based on the needs and characteristics of the businesses. As a result, businesses may be unaware of or lack understanding about financial leasing services.

Financial leasing is considered as the ” opportunity door” for long-term capital mobilization for businesses, as the capital raised through financial leasing can reach up to 90%, or even 100%, of the leased asset value without requiring collateral assets.

The outstanding advantages of financial leasing services

With the increasing trend of industries emerging that lack tangible collateral assets for development, such as the information technology sector or service industries, mobilizing long-term capital through financial leasing becomes an optimal solution for businesses. This allows businesses to obtain credit indirectly by leasing machinery and equipment, bypassing the need for direct long-term credit.

In addition, a high financing ratio is also an advantage of financial leasing. For conventional assets, the financing ratio is typically around 70%. However, for certain types of machinery and equipment, the financing ratio can reach up to 100% of the asset value.

The long lease term with a clear payment schedule, along with the flexibility of the financial leasing contract, allows businesses to be proactive in their business plans and effectively manage cash flow.

BSL is a reputable financial leasing company in Vietnam. With strong financial capabilities and robust support from strategic shareholders, namely the Bank for Investment and Development of Vietnam (BIDV) and Sumitomo Mitsui Trust Bank (SMTB), BSL provides specialized capital financing solutions for small and medium-sized enterprises in Vietnam.

In addition to traditional banking channels, businesses should diversify their sources of long-term capital from other funding channels. Among these channels, financial leasing is a credit source that enables businesses to invest in their long-term capacity and resources.

Thao Nguyen

Source: https://mekongasean.vn/cho-thue-tai-chinh-kenh-dan-von-cho-doanh-nghiep-nho-va-vua-con-bo-ngo-post5569.html