Hanoi, May 21 -- Access to finance remains a major bottleneck for small- and medium-sized enterprises (SMEs) in Vietnam, but a gradual shift by banks toward cash-flow-based lending and more flexible credit models is expected to help "unlock" capital flows for this critical sector. Despite the Government's push to strengthen the private sector, Vietnamese SMEs continue to face significant hurdles in accessing credit. According to the Vietnam Private Economic Report 2025 released by the Vietnam Chamber of Commerce and Industry (VCCI), 75.5% of businesses said they are unable to secure loans without collateral. Beyond collateral requirements, borrowing conditions and capital costs remain misaligned with the demands of private firms. More tha...