Green Finance Access for Vietnamese SMEs

Green capital is waiting for applications that meet the bar. GROW helps Vietnamese SMEs prepare internationally compliant applications and connect directly with partner banks and global funds.

Funding channels within the GROW network

Green credit from partner banks: BIDV, Vietcombank, VietinBank, HDBank, TPBank, VPBank, Agribank. Loan sizes range from VND 500 million to VND 50 billion, at interest rates 0.5–1.5 percentage points below commercial lending.

International funding programs: IFC, ADB, GCF, Proparco, FMO, DEG, JICA. These include non-repayable technical assistance and co-financed loans.

Impact investment funds: Beacon Fund, responsAbility, BlueOrchard and Vietnamese green venture funds for businesses with high growth potential.

State funding: the National Technology Innovation Fund (NATIF) and the National SME Digital Transformation Support Program.

GROW's 4-step process

Step 1 — Financial and borrowing capacity assessment (2 weeks): analysis of financial statements, DSCR ratio, cash flow, and collateral capacity.

Step 2 — Preparing the green project application (4–6 weeks): project description, quantification of environmental impact, financial projections, and the M&E plan.

Step 3 — Direct loan officer connection (2–4 weeks): GROW introduces you to the right person at the appropriate bank or institution.

Step 4 — Post-disbursement (ongoing): support with progress reporting and ensuring compliance with commitments.

Success rate

Applications supported by GROW have a 78% approval rate — significantly higher than the market rate (around 35–45% for green lending). This comes from thorough data preparation and connecting with the right decision-makers.

Key services

Green finance access assessment
Building project applications aligned with the Vietnam Taxonomy
Direct connection to partner banks
Co-financing partnerships with IFC, ADB, GCF
Post-disbursement reporting support

Book a free consultation See the full ecosystem

Frequently asked questions

Can SMEs with limited collateral still borrow?

Yes. Many green credit programs prioritize cash-flow assessment over collateral. Some international funds (IFC, ADB) also offer guarantee mechanisms.

How long until disbursement?

A well-prepared application typically takes 8–16 weeks from submission to disbursement. International co-financing arrangements can take 4–8 months.

Does GROW charge a fee for fundraising advisory?

There is a fixed advisory fee for building the application (depending on project size), but we do not charge a success fee based on a percentage of capital, in order to avoid conflicts of interest.

Access to Finance

Summary