NCB Provides Flexible Capital Solutions, Partnering with Leading General Contractors and Major Real Estate Developers

Accompanying major players in the construction and real estate industries during the year-end peak season, the National Citizen Commercial Joint Stock Bank (NCB) is implementing flexible financial solutions tailored to the characteristics of these sectors, helping enterprises enhance competitiveness, seize opportunities, and sustain their leadership position.

Riding the Wave of Opportunities in the Year-End Acceleration Period

The final months of the year are traditionally the peak period for the construction and real estate industries. Numerous infrastructure projects, urban areas, and industrial zones enter their final stages, requiring contractors to accelerate progress amid rising material and labor costs. Even for large corporations with strong financial capacity, capital pressure remains a constant challenge due to the nature of long-term, phased construction projects and fluctuating input costs.

At the same time, the Government is promoting the disbursement of over VND 1 quadrillion in public investment capital in 2025 — a massive driving force generating real credit demand across the market. As of the end of August 2025, 46.3% of the plan had been disbursed, VND 135,290 trillion higher than the same period last year. However, to achieve 100% disbursement by year-end, a substantial amount of capital still needs to flow into the market. For construction and real estate enterprises, this is a “golden” time to expand scale and participate in new project bids. Yet, to capture this growth momentum, they need a financial partner that understands industry nuances, possesses sufficient capacity, and offers flexible, tailored solutions.

“Toward the year-end, we not only have to maintain progress on ongoing projects but also prepare cash flow to bid for new projects in the following year. Without available capital, it’s easy to miss market opportunities,” said Mr. Thanh Tung, Director of an infrastructure construction company in Hanoi.

A Strategic Financial Partner for Major Contractors and Developers

NCB’s Specialized Solutions: Flexible – Insightful – High Capacity to Deliver

With extensive experience partnering with major corporations, general contractors, and real estate developers, NCB has demonstrated its strength through financing numerous large-scale projects nationwide over the years.

Currently, NCB provides capital for 30 major projects across Vietnam, including many landmark developments in key regions. The bank also maintains a strong partner ecosystem with 30 large-scale construction contractors nationwide, including 5 among the VNR500 top 10 construction companies, with total credit financing reaching into the trillions of dong.

Unlike conventional lending models, NCB approaches the capital needs of the construction and real estate markets with a deep understanding of cash flow characteristics. On this foundation, the bank designs tailored financial packages for each link in the value chain, precisely addressing actual needs, minimizing capital flow mismatches, and optimizing operational efficiency.

NCB's Flexible Financial Solutions Supporting Solid Capital Foundations

For construction companies — particularly general contractors managing multiple large-scale projects simultaneously — NCB offers specialized financial solutions such as factoring, bid guarantees, and payment guarantees with competitive interest rates. Specifically, under the factoring program, NCB finances up to 80% of receivables’ value, with a term of up to 364 days and no collateral requirement. This enables enterprises to promptly supplement working capital, maintain flexible cash flow, and strengthen credibility and negotiation power.

For real estate developers, NCB provides end-to-end project financing at a large scale, covering the entire project lifecycle — from pre-investment stages (legal procedures, site clearance, architectural planning) through construction and completion. With financing of up to 80%, guarantee deposit ratios from as low as 0%, and acceptance of receivables as collateral, NCB’s flexible financial solutions help businesses maintain solid capital foundations, accelerate progress, and ease financial pressure during periods without generated profit.

Beyond financing, NCB acts as a strategic financial partner, supporting enterprises in evaluating project potential, optimizing cash flow, and developing tailored financial plans for each project stage. This is a key advantage enabling urban, industrial, and large-scale infrastructure projects to ensure both progress and market reputation, while expanding long-term growth potential.

NCB’s presence in major national projects not only underscores its financial strength but also demonstrates its long-term commitment to accompanying Vietnam’s leading corporations and developers. With robust financial capacity, specialized solutions, and practical experience, NCB will continue to provide enterprises with not only financial assurance in project operations but also a strong foundation to expand scale and capture the surge of public and FDI capital flowing into infrastructure, industry, and urban development.

For more information about NCB’s products and services, customers can contact any NCB branch or transaction office nationwide, or reach the Hotline at (028) 38 216 216 - 1800 6166.