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ShopCash business financing

Capital at your fingertips, ready to use anytime

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ShopCash is an optimal solution that helps your store access timely funding for short-term financial needs, such as inventory purchases or daily expenses, without the need for collateral. It offers attractive interest rates and a simple application process.

Why should business owners choose ShopCash Overdraft Account at Techcombank?

Flexible Limit

  • Funding limit of up to 500 million VND (*)​
  • No collateral required​

(*) Subject to Techcombank's terms and conditions at the tim

Competitive Interest Rates

  • Interest rate only from 326 VND/day per 1 million VND spent

Easy Access to Funds​

  • Easily make payments to suppliers via bank transfer or QR code scanning​

  • No monthly principal repayments, only repay the principal after 12 months of usage

Simple procedure

  • Activate directly on Techcombank Mobile

Registration conditions and steps

1

Receive notification about the approved limit on Techcombank Mobile

2

Go to the Loans section and select the ShopCash Overdraft Account

3

View product information and click Activate now

4

Choose the funding amount you wish to receive and provide the required information

5

Depending on the selected funding amount, follow the remaining steps on Techcombank Mobile to complete the activation of the ShopCash Overdraft Account

1

Loan application form and loan agreement (according to Techcombank's template)

2

Personal identification documents (CCCD, Passport, etc.)

3

Other relevant documents (if any)

Frequently Asked Questions

What is overdraft-based funding?

An overdraft limit is a credit line provided by Techcombank to customers in the form of an Overdraft Account. Customers can use it to make debits, transfers to partners, or payments to beneficiaries within the approved credit limit, based on their financial capacity assessed by Techcombank.

How many times and for how long can funds be drawn from the ShopCash Overdraft Account?

  • ShopCash allows unlimited fund withdrawals within the approved credit limit​
  • The maximum term for using funds through the ShopCash Overdraft Account is 12 months.

Is collateral required for funding via the ShopCash Overdraft Account?

No collateral is needed. The credit limit is pre-approved, and funds can be accessed instantly via Techcombank Mobile.

Can business owners make early repayments of principal for ShopCash loans?

Yes, customers can flexibly repay the principal or part of it at any time without incurring any fees.

What purposes can the ShopCash Overdraft Account funding be used for?

The ShopCash Overdraft Account provides quick and flexible funding for business owners to purchase goods/materials or cover daily operational expenses.

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