{"id":999978258,"date":"2025-08-31T12:10:48","date_gmt":"2025-08-31T05:10:48","guid":{"rendered":"https:\/\/bizzi.vn\/?p=999978258"},"modified":"2026-06-09T13:40:43","modified_gmt":"2026-06-09T06:40:43","slug":"what-is-working-capital-loan","status":"publish","type":"post","link":"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/","title":{"rendered":"What is working capital loan? Experience in borrowing and managing working capital most effectively"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Additional loan <a href=\"https:\/\/bizzi.vn\/vay-bo-sung-von-luu-dong-la-gi-kinh-nghiem-vay-va-quan-ly-von-luu-dong-hieu-qua-nhat\/\">working capital<\/a> Simply put, it is a short-term &quot;blood pumping&quot; solution to ensure that businesses do not stop production and do not miss business opportunities. What are the forms of additional working capital loans and what is the experience of borrowing? Find out more in the article below.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Index<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Vay_bo_sung_von_luu_dong_la_gi_Muc_dich_cua_viec_bo_sung_von_luu_dong_la_gi\" >What is a working capital loan? What is the purpose of working capital?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Thoi_diem_doanh_nghiep_can_bo_sung_von_luu_dong_la_gi\" >When does a business need to supplement working capital?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Nhung_hinh_thuc_vay_bo_sung_von_luu_dong_la_gi\" >What are the forms of working capital loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Nhung_dieu_doanh_nghiep_can_chuan_bi_de_vay_bo_sung_von_luu_dong_la_gi\" >What do businesses need to prepare to borrow additional working capital?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Quy_trinh_va_kinh_nghiem_vay_bo_sung_von_luu_dong_la_gi\" >What is the process and experience of borrowing additional working capital?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Xac_dinh_nhu_cau_von_va_phuong_an_bo_sung_von_luu_dong_la_gi\" >Determine capital needs and what are the options for supplementing working capital?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Chuan_bi_ho_so_vay_von\" >Prepare loan application<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Nop_ho_so_tham_dinh\" >Application submission &amp; assessment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Phe_duyet_va_ky_hop_dong_tin_dung\" >Approve and sign credit agreement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Theo_doi_va_thanh_toan_no\" >Track and pay debt<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Kinh_nghiem_trong_viec_vay_bo_sung_von_luu_dong_la_gi\" >What is your experience in borrowing additional working capital?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Giai_phap_vay_von_luu_dong_Bizzi_Financing_%E2%80%93_Lua_chon_linh_hoat_cho_SME\" >Bizzi Financing Working Capital Loan Solution \u2013 Flexible Choice for SMEs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Diem_noi_bat_cua_Bizzi_Financing\" >Highlights of Bizzi Financing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Loi_ich_khi_su_dung_Bizzi_Financing\" >Benefits of using Bizzi Financing<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Bizzi_Giai_phap_toi_uu_dong_tien_doanh_nghiep\" >Bizzi: The optimal solution for business cash flow<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Tich_hop_toan_dien_voi_he_thong_ERP\" >Full integration with ERP systems<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/bizzi.vn\/en\/what-is-working-capital-loan\/#Ket_luan\" >Conclude<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Vay_bo_sung_von_luu_dong_la_gi_Muc_dich_cua_viec_bo_sung_von_luu_dong_la_gi\"><\/span><b>What is a working capital loan? What is the purpose of working capital?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Working capital<\/strong><span style=\"font-weight: 400;\"> is the difference between current assets and current liabilities, including cash, inventory, and receivables. <\/span><b>Additional working capital loan<\/b><span style=\"font-weight: 400;\"> is a form of short-term borrowing (usually less than 12 months) from a bank or credit institution to meet payment needs in daily production and business activities. This source of capital is used for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment for raw materials and goods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay salaries, operating costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Short-term debt repayment, maintenance <a href=\"https:\/\/bizzi.vn\/he-so-thanh-toan-la-gi-toi-uu-hoa-kha-nang-thanh-khoan-doanh-nghiep-voi-giai-phap-quan-ly-chi-phi-toan-dien\/\">payment ratio<\/a>.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reserve for cash flow disruptions (eg. late payment by customers).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Help businesses cover short-term capital shortages, pay domestic expenses, or expand business scale.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Thoi_diem_doanh_nghiep_can_bo_sung_von_luu_dong_la_gi\"><\/span><b>When does a business need to supplement working capital?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Businesses often need to borrow additional working capital in the following situations:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Temporary cash flow shortage<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Customers pay late, while businesses still have to pay for goods, salaries, and operating costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">For example, a company sells to a supermarket and it takes 60\u201390 days to collect payment.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Peak season<\/b>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Demand increases sharply (Tet, festivals, student season, tourist season).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Businesses need capital to import more goods, increase production shifts, and expand warehouses.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Need to take advantage of business opportunities<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Suppliers offer discounts for bulk purchases.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">A big contract appears but the business temporarily lacks capital to implement it.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Unexpected operating costs<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Incurred repair costs, small investments, sudden marketing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Businesses need to quickly turn around cash flow to avoid missing opportunities.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In other words, not every business should borrow. Those that are suitable are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Small and Medium Enterprises (SME)<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Often &quot;stuck&quot; capital due to long-term customer debt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Not enough potential to reserve large cash flow.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Businesses with seasonal business models<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">For example: garment (Tet, festival), agricultural products (harvest season), FMCG (summer, Tet).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Short-term loans help increase inventory to meet explosive demand.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fast growing business<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">There are many large orders but the equity cannot be turned around in time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Borrow to seize market expansion opportunities.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Businesses with transparent financial history<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Have financial reports, contracts, stable cash flow.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Prove your ability to repay the loan \u2192 easy to get approved by the bank and enjoy good interest rates.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Businesses want to optimize capital costs<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Don&#039;t want to &quot;freeze&quot; too much capital in inventory.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Use short-term loans (lower cost) instead of long-term mobilization.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<figure id=\"attachment_999978260\" aria-describedby=\"caption-attachment-999978260\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-999978260\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-2.jpg\" alt=\"What is supplementary capital?\" width=\"1200\" height=\"675\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-2.jpg 1480w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-2-300x169.jpg 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-2-1024x576.jpg 1024w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-2-768x432.jpg 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-2-18x10.jpg 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-999978260\" class=\"wp-caption-text\">Borrowing additional working capital is a short-term &quot;blood pumping&quot; solution to ensure that businesses do not stop production and do not miss business opportunities.<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Nhung_hinh_thuc_vay_bo_sung_von_luu_dong_la_gi\"><\/span><b>What are the forms of working capital loans?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Working capital loans often come in many different forms depending on the needs and financial capacity of the business. Below are some of the most common forms and their outstanding features:<\/p>\n<table style=\"width: 100%; height: 296px;\">\n<tbody>\n<tr style=\"height: 56px;\">\n<td style=\"height: 56px; width: 23.1965%;\"><b>Loan form<\/b><\/td>\n<td style=\"height: 56px; width: 35.9601%;\"><b>Main features<\/b><\/td>\n<td style=\"height: 56px; width: 39.7336%;\"><b>Suitable for which business?<\/b><\/td>\n<\/tr>\n<tr style=\"height: 40px;\">\n<td style=\"height: 40px; width: 23.1965%;\"><b>Credit limit<\/b><\/td>\n<td style=\"height: 40px; width: 35.9601%;\"><span style=\"font-weight: 400;\">Flexible withdrawal of capital multiple times within the limit<\/span><\/td>\n<td style=\"height: 40px; width: 39.7336%;\"><span style=\"font-weight: 400;\">Have regular capital needs<\/span><\/td>\n<\/tr>\n<tr style=\"height: 54px;\">\n<td style=\"height: 54px; width: 23.1965%;\"><b>Overdraft<\/b><\/td>\n<td style=\"height: 54px; width: 35.9601%;\"><span style=\"font-weight: 400;\">Spending more than the account balance, high interest<\/span><\/td>\n<td style=\"height: 54px; width: 39.7336%;\"><span style=\"font-weight: 400;\">Need urgent payment, long-term relationship with bank<\/span><\/td>\n<\/tr>\n<tr style=\"height: 80px;\">\n<td style=\"height: 80px; width: 23.1965%;\"><b>Borrow once<\/b><\/td>\n<td style=\"height: 80px; width: 35.9601%;\"><span style=\"font-weight: 400;\">Loan by specific item, approval for each item<\/span><\/td>\n<td style=\"height: 80px; width: 39.7336%;\"><span style=\"font-weight: 400;\">Capital needs arise according to contract\/project<\/span><\/td>\n<\/tr>\n<tr style=\"height: 56px;\">\n<td style=\"height: 56px; width: 23.1965%;\"><b>Discounting\/Factoring<\/b><\/td>\n<td style=\"height: 56px; width: 35.9601%;\"><span style=\"font-weight: 400;\">Advance payment from invoices and contracts<\/span><\/td>\n<td style=\"height: 56px; width: 39.7336%;\"><span style=\"font-weight: 400;\">Selling to slow paying customers<\/span><\/td>\n<\/tr>\n<tr style=\"height: 10px;\">\n<td style=\"height: 10px; width: 23.1965%;\"><b>Medium-term loan to supplement working capital<\/b><\/td>\n<td style=\"height: 10px; width: 35.9601%;\"><span style=\"font-weight: 400;\">Long-term, stable capital supplement<\/span><\/td>\n<td style=\"height: 10px; width: 39.7336%;\"><span style=\"font-weight: 400;\">Fast growth, need long-term revolving capital<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Nhung_dieu_doanh_nghiep_can_chuan_bi_de_vay_bo_sung_von_luu_dong_la_gi\"><\/span><b>What do businesses need to prepare to borrow additional working capital?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To borrow additional working capital, businesses not only need to demonstrate reasonable capital needs but also demonstrate financial capacity and debt repayment ability. Below are the things businesses need to prepare before approaching banks or credit institutions:<\/span><\/p>\n<p><b>Business legal profile<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business Registration Certificate \/ Investment License<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Company charter (if any)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax code, seal, other legal documents<\/span><\/li>\n<\/ul>\n<p><b>Transparent financial records<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financial statements for the last 2\u20133 years (or at least 1 year for new businesses).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income statement, balance sheet, cash flow statement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accounting books \/ bank statements to prove cash flow.<\/span><\/li>\n<\/ul>\n<p><b>Capital utilization plan &amp; debt repayment cash flow<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clear loan purpose: import raw materials, stock inventory, pay suppliers, operating costs...<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cash flow forecast: shows revenue, expenses, debt collection period.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Specific principal and interest repayment plan.<\/span><\/li>\n<\/ul>\n<p><b>Collateral (if any)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real estate, machinery, vehicles, inventories, or valuable papers (savings books, bonds).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some types of loans (like unsecured lines of credit) may not require collateral, but they can be more difficult for new businesses.<\/span><\/li>\n<\/ul>\n<p><b>Credit profile and business reputation<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good loan and repayment history (CIC has no bad debt).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Long-term, transparent relationship with the bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reputation with suppliers and customers (contracts, orders, VAT invoices).<\/span><\/li>\n<\/ul>\n<p><b>Prepare a \u201ctransparency package\u201d<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sales contract\/order with partner \u2192 proves real capital need.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt management policy \u2192 shows the ability to recover capital.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use cost-cash flow management software (like Bizzi.vn) to automate reports, help keep records clear and increase credibility with banks.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Quy_trinh_va_kinh_nghiem_vay_bo_sung_von_luu_dong_la_gi\"><\/span><b>What is the process and experience of borrowing additional working capital?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The working capital loan process is often quite similar across banks and credit institutions, but if a business is well prepared, it will shorten the approval time and increase the chances of success.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Xac_dinh_nhu_cau_von_va_phuong_an_bo_sung_von_luu_dong_la_gi\"><\/span><b>Determine capital needs and what are the options for supplementing working capital?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Businesses must calculate the amount of capital needed to borrow, the time it takes to use it, and the ability to repay the debt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prepare a clear plan for capital use: importing goods, purchasing raw materials, paying debts, operating costs, etc.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Chuan_bi_ho_so_vay_von\"><\/span><b>Prepare loan application<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Legal documents<\/b><span style=\"font-weight: 400;\">: Business registration certificate, tax code, business charter...<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Financial Profile<\/b><span style=\"font-weight: 400;\">: Financial reports, bank statements, sales contracts, input and output invoices.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Collateral<\/b><span style=\"font-weight: 400;\"> (if needed): real estate, machinery, savings books...<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Debt repayment cash flow plan<\/b><span style=\"font-weight: 400;\">: proof of revenue, debt collection period.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Nop_ho_so_tham_dinh\"><\/span><b>Application submission &amp; assessment<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The bank checks the legality, financial capacity, and credit history (CIC).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interviews and on-site surveys at the business may be required.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Phe_duyet_va_ky_hop_dong_tin_dung\"><\/span><b>Approve and sign credit agreement<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After approval, both parties sign the contract: limit, interest rate, term, disbursement and repayment method.<\/span><\/li>\n<\/ul>\n<p><b>Disbursement and use of capital<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The bank transfers money in installments or at once, depending on the capital plan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enterprises must use capital for the registered purposes.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Theo_doi_va_thanh_toan_no\"><\/span><b>Track and pay debt<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay principal and interest on time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Report on capital usage to the bank (if required).<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_999978263\" aria-describedby=\"caption-attachment-999978263\" style=\"width: 768px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-999978263 size-full\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-1.jpg\" alt=\"What is supplementary capital?\" width=\"768\" height=\"512\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-1.jpg 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-1-300x200.jpg 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-1-18x12.jpg 18w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><figcaption id=\"caption-attachment-999978263\" class=\"wp-caption-text\">The process of borrowing additional working capital is usually quite similar at banks and credit institutions.<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Kinh_nghiem_trong_viec_vay_bo_sung_von_luu_dong_la_gi\"><\/span><b>What is your experience in borrowing additional working capital?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Borrowing additional working capital is not just about \u201cgetting capital\u201d but also about proving financial capacity, a reasonable business plan and repayment ability. The better prepared a business is, the easier it is to get approved and the more favorable interest rates it will receive. Below are some experiences that help increase the ability to successfully supplement working capital that businesses can refer to:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Identify the right capital needs<\/b><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Only borrow the amount you really need, avoid borrowing more than you need to avoid wasting interest costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Calculate the business cycle to determine the appropriate loan term.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Prepare transparent documents<\/b><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Financial reports need to be clear and transparent.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Use financial management software (eg: Bizzi.vn) to automate cost and debt reporting \u2192 increase reliability during appraisal.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Maintain good credit history<\/b><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Avoid bad debt on CIC.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Maintain good relationship with the bank to easily extend the limit in the future.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Have a clear cash flow plan<\/b><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ensure that revenue during the period can cover interest and principal.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Set up a contingency fund in case of late payment by customers.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Choose the right loan type<\/b><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Loan by limit: suitable for businesses with continuous cash flow.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Loan by installment: suitable for short-term, one-time capital needs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Overdraft: flexible but interest rates are usually higher.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Capital management after disbursement<\/b><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Use capital for the right purpose to avoid being checked and negatively evaluated by the bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Control cash flow through regular reporting.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Giai_phap_vay_von_luu_dong_Bizzi_Financing_%E2%80%93_Lua_chon_linh_hoat_cho_SME\"><\/span><b>Bizzi Financing Working Capital Loan Solution \u2013 Flexible Choice for SMEs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In addition to traditional bank loans, many small and medium enterprises (SMEs) have now begun to pay attention to <\/span><a href=\"http:\/\/finance.bizzi.vn\"><b>Bizzi Financing<\/b><\/a><b> \u2013 smart working capital loan solution<\/b><span style=\"font-weight: 400;\"> integrated directly on the Bizzi platform. This is a suitable choice for businesses that need quick capital, simple procedures and do not want to rely too much on collateral.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Diem_noi_bat_cua_Bizzi_Financing\"><\/span><b>Highlights of Bizzi Financing<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fast disbursement<\/b><span style=\"font-weight: 400;\">: Businesses only need to provide sales invoices or contracts, Bizzi connects directly with financial institutions to approve and disburse in a short time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No need for much collateral<\/b><span style=\"font-weight: 400;\">: Applications are reviewed based on actual transaction data and debt history, reducing pressure on SMEs that do not have many collateral assets.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Flexible funding options<\/b><span style=\"font-weight: 400;\">:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Advance payment by invoice (<\/span><b>Invoice Financing<\/b><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Contract Financing (<\/span><b>Contract Financing<\/b><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Short-term credit limit based on actual cash flow<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transparent and easy to estimate costs<\/b><span style=\"font-weight: 400;\">: Interest rates and fees are clearly disclosed, businesses can calculate in advance to balance cash flow.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Integrate right on Bizzi Platform<\/b><span style=\"font-weight: 400;\">: Businesses can both manage debt and proactively access working capital in just one system.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Loi_ich_khi_su_dung_Bizzi_Financing\"><\/span><b>Benefits of using Bizzi Financing<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Timely capital replenishment to import raw materials and goods during peak season.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take advantage of great business opportunities without worrying about disrupting cash flow.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optimize capital costs with short-term, flexible loans.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easily control and manage cash flow with Bizzi&#039;s digital accounting and finance tools.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">With <\/span><b>Bizzi Financing<\/b><span style=\"font-weight: 400;\">, SMEs can confidently &quot;pump blood&quot; into business operations, reduce cash flow pressure and increase competitiveness even in a volatile market context. If you need advice on loan solutions suitable for your business needs, register here: <\/span><a href=\"http:\/\/finance.bizzi.vn\"><span style=\"font-weight: 400;\">http:\/\/finance.bizzi.vn<\/span><\/a><\/p>\n<figure id=\"attachment_999978264\" aria-describedby=\"caption-attachment-999978264\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-999978264\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-5.png\" alt=\"What is supplementary capital?\" width=\"1200\" height=\"759\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-5.png 2360w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-5-300x190.png 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-5-1024x647.png 1024w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-5-768x486.png 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-5-1536x971.png 1536w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-5-2048x1295.png 2048w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/08\/von-luu-dong-bo-sung-la-gi-5-18x12.png 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-999978264\" class=\"wp-caption-text\">Bizzi Financing \u2013 a suitable working capital loan solution for businesses that need quick capital, simple procedures and do not want to depend too much on collateral.<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Bizzi_Giai_phap_toi_uu_dong_tien_doanh_nghiep\"><\/span><b>Bizzi: The optimal solution for business cash flow<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In addition to providing optimal lending solutions for businesses, Bizzi also offers a comprehensive digital solution ecosystem, helping to automate the entire financial and accounting process, from <\/span><b>Invoice processing \u2013 expense management \u2013 debt \u2013 B2B payments<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With in-depth features, Bizzi is both an AI assistant for the finance and accounting department and a comprehensive cost control tool, helping businesses accelerate, be transparent and optimize internal cash flow in real time.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cash inflow (Accounts Receivable Management \u2013 ARM):<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Bizzi.vn supports businesses <\/span><a href=\"https:\/\/bizzi.vn\/quan-ly-cong-no\/\"><span style=\"font-weight: 400;\">Accelerate debt collection<\/span><\/a><span style=\"font-weight: 400;\"> Thanks to the automatic debt reminder feature, detailed debt tracking, debt aging report, proactive detection of risky collections, helping to coordinate cash flow flexibly and reduce liquidity pressure. Thereby, businesses can minimize bad debt, improve payment ability and maintain stable cash flow.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cash Outflow (Invoice Processing &amp; Expense Management):<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Bizzi platform provides solutions <\/span><b>automation <\/b><a href=\"https:\/\/bizzi.vn\/xu-ly-hoa-don\/\"><b>Invoice processing<\/b><\/a><b>, corporate expense management and Bizzi credit card integration<\/b><span style=\"font-weight: 400;\">, helps optimize payment time, tightly control costs, and limit the risk of financial loss. Not only set up a budget according to <\/span><b>department\/project<\/b><span style=\"font-weight: 400;\"> and install <\/span><b>Over level warning<\/b><span style=\"font-weight: 400;\">; Bizzi also helps accountants automatically download, check and compare invoices with <\/span><b>PO (Purchase Order)<\/b><span style=\"font-weight: 400;\"> and <\/span><b>GR (Goods Receipt)<\/b><span style=\"font-weight: 400;\"> to manage cash flow accurately and promptly.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><span class=\"ez-toc-section\" id=\"Tich_hop_toan_dien_voi_he_thong_ERP\"><\/span><b>Full integration with ERP systems<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Unlike single solutions, Bizzi.vn is built to become a powerful supporting tool for businesses. <\/span><a href=\"https:\/\/bizzi.vn\/tich-hop-erp\/\"><span style=\"font-weight: 400;\">ERP system<\/span><\/a><span style=\"font-weight: 400;\">Bizzi helps businesses automate financial operations further, thereby improving operational efficiency and strategic financial decision-making capabilities.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><b>Conclude<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Hopefully, through the above article of Bizzi, managers have a better understanding of what is working capital supplementary borrowing. What is working capital supplementary or borrowing capital is only really effective when the business ensures 3 factors: Having a clear short-term need - Having a certain ability to repay debt - Expected profit is greater than interest expense.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are still struggling to control your debts and expenses, you should optimize your cash flow with technology solutions like Bizzi to ensure financial security. Combining traditional loans with effective technology support is the key to helping businesses manage their working capital comprehensively and effectively.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With Bizzi, businesses not only manage better but also optimize cash flow, grow sustainably and stay resilient against market fluctuations. To improve the efficiency of invoice management as well as automate the financial and accounting processes of the business. Register to experience Bizzi&#039;s comprehensive solution suite today!<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Link to register for a trial of Bizzi products: <\/span><a href=\"https:\/\/bizzi.vn\/dang-ky-dung-thu\/\"><span style=\"font-weight: 400;\">https:\/\/bizzi.vn\/dang-ky-dung-thu\/<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Schedule a demo: <\/span><a href=\"https:\/\/bizzi.vn\/dat-lich-demo\/\"><span style=\"font-weight: 400;\">https:\/\/bizzi.vn\/dat-lich-demo\/<\/span><\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Working capital loan is simply a short-term &quot;blood pumping&quot; solution to ensure that the business does not stagnate...<\/p>","protected":false},"author":56,"featured_media":999978259,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[76],"tags":[],"class_list":["post-999978258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-goc-nhin-cfo"],"acf":[],"_links":{"self":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999978258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/users\/56"}],"replies":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/comments?post=999978258"}],"version-history":[{"count":4,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999978258\/revisions"}],"predecessor-version":[{"id":999978268,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999978258\/revisions\/999978268"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/media\/999978259"}],"wp:attachment":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/media?parent=999978258"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/categories?post=999978258"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/tags?post=999978258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}