MISA

MISA JSC is one of Vietnam’s largest business software vendors, headquartered in Hanoi. Its core products are accounting, e-invoicing and business management software — MISA AMIS, MISA meInvoice, MISA eShop, MISA CukCuk — used by more than 400,000 enterprises and household businesses, over 44,500 public sector units and around 3.5 million individual users.

Its SME finance product is MISA Lending, a loan-connection platform that sits on top of that installed base. Because a borrower’s ledgers, invoices and tax filings already reside in MISA’s cloud, the SME can authorise the platform to pass verified operating data straight to partner banks, which underwrite on that data rather than on collateral. Applications are submitted fully online from inside the MISA software. This addresses Vietnam’s structural credit gap, where SMEs make up roughly 97% of enterprises but are frequently excluded from bank lending for lack of collateral and audited financials.

1. MISA Lending connects SMEs already using MISA accounting and e-invoicing software to a panel of banks and finance companies; 15 financial partners reported.

2. Credit assessment runs on live accounting, invoice and tax data held in MISA's cloud, enabling unsecured lending without collateral.

3. VND 18,000 billion disbursed through MISA Lending during 2025, unlocking capital for nearly 6,000 businesses.

4. Techcombank partnership: total credit limit up to VND 20 billion, unsecured portion up to VND 10 billion.

5. The digitised Techcombank flow returns an indicative limit and interest rate in under 5 minutes, versus at least one day previously.

6. Fully online application from inside MISA software; approval decisions reported within one day.