Acb Leasing Company
ACB Leasing Company is a Vietnam-based non-bank financial institution and 100% subsidiary of Asia Commercial Bank (ACB) that provides medium and long-term financial leasing of movable assets, including vehicles, machinery, construction equipment, and medical equipment, to SMEs and individual business owners across Vietnam.
- Company typePrivate
- Founded2007
- HeadquartersHo Chi Minh City, Vietnam
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Acb Leasing Company does
ACB Leasing Company (Công ty TNHH MTV Cho Thuê Tài Chính Ngân Hàng Á Châu, "ACBL") is a Vietnam-domiciled non-bank financial institution that provides medium and long-term financial leasing of movable assets to corporate and individual customers. Established in 2007 as a 100% wholly-owned subsidiary of Asia Commercial Bank (ACB), one of Vietnam's largest private commercial banks, ACBL operates under State Bank of Vietnam License No. 06/GP-NHNN with registered capital of 500 billion VND (as of May 2021). The company is headquartered in Ho Chi Minh City with regional offices in Hanoi and Da Nang, and leverages ACB Bank's network of 347 branches and transaction offices nationwide for customer acquisition and service delivery.
ACBL's core product is financial leasing (Thuê Tài Chính), under which the company purchases movable assets chosen by the customer and leases them back for business use. It also offers Sale-and-Leaseback (Bán và Thuê Lại) for working capital supplementation. The portfolio is segmented across specialized vertical products: tractor trucks (up to 95% financing, 60-month terms), automobiles, construction equipment, industrial machinery (CNC, printing, packaging), transport vehicles, and medical equipment (X-ray, CT, MRI). Financing ratios reach up to 90-95% of appraised asset value with terms up to 84 months, and typical interest rates of 8.5-9% per year. No real estate collateral is required.
The business model is transaction-based interest income on lease contracts, with monthly billing on declining-balance amortization. Customer acquisition is sales-led, driven by direct branch service and a referral ecosystem of supplier partnerships (DoThanh Auto, Vitrac, Weldcom, Hoa Lợi, RCE VINA). Primary customer segments are Vietnamese SMEs and transportation/logistics companies needing equipment financing without real estate collateral, with secondary segments in healthcare providers and individual business owners. Leadership consists of General Director (CEO) Trần Văn Tâm, Chairman Nguyễn Thanh Toại, and Hanoi Branch Director Nguyễn Duy Tú.
Acb Leasing Company firmographics
Firmographics- Name
- Acb Leasing Company
- Legal name
- Công ty TNHH MTV Cho Thuê Tài Chính Ngân Hàng Á Châu
- Website
- https://acbleasing.com.vn
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- ACB Leasing Company is a Vietnam-based non-bank financial institution and 100% subsidiary of Asia Commercial Bank (ACB) that provides medium and long-term financial leasing of movable assets, including vehicles, machinery, construction equipment, and medical equipment, to SMEs and individual business owners across Vietnam.
- Ownership category
- akta.pro rank
Acb Leasing Company industry classification
Industry- Product category
- Financial Leasing Services
- NAICS
- Automotive Equipment Rental and Leasing (5321), Passenger Car Leasing (532112)
- SIC
- Finance Lessors (6172), Services-Auto Rental & Leasing (No Drivers) (7510)
- akta.pro primary industry
- Leasing & Lease Buyout Financing (FSAKADAC)
- akta.pro secondary industries
- SME & Small Business Vehicle Leasing (TLABAAAB), Auto & Vehicle Leasing (Personal Use) (FSAKANAA)
Keywords
Where Acb Leasing Company is headquartered
LocationHeadquarters
- HQ city
- Ho Chi Minh City
- HQ country
- Vietnam
- HQ region
- Asia
Offices3 records
Markets served
Acb Leasing Company business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Infrastructure, Technology or R&D, Others
Revenue model
- Financial Leasing Interest Income: ACB Leasing generates revenue through interest income on financial leasing contracts. Customers pay periodic lease installments including principal and interest calculated on declining outstanding balance. The company provides financing for movable assets including vehicles, construction equipment, medical equipment, and machinery with financing ratios up to 90% for vehicles and 85% for equipment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Vehicle Financial Leasing (Trucks, Tractors) |
| Transaction based/ take rate | Monthly | Equipment and Machinery Leasing |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Acb Leasing Company product offering
Product offeringCore offering
ACB Leasing Company provides financial leasing services for movable assets including vehicles (cars, trucks, tractor units), industrial and construction machinery, and medical equipment. The company finances up to 95% of vehicle value and 85% of equipment value with lease terms ranging from 13 to 84 months, transferring asset ownership to the lessee at the end of the term. It also offers sale-and-leaseback of fixed assets. Operations are conducted through a national branch network of 347 locations across Vietnam, with the company operating as a wholly-owned subsidiary of Asia Commercial Bank (ACB).
Product overview
ACB Leasing (Công ty TNHH MTV Cho thuê Tài chính Ngân hàng Á Châu) operates as a non-bank credit organization offering medium and long-term financial leasing services. The company is 100% owned by Asia Commercial Bank (ACB) with registered capital of 500 billion VND. The core product is the Thuê Tài Chính (Leasing) service where the company purchases assets from suppliers selected by customers and leases them back. Supporting products include Bán và Thuê Lại (Sale and Leaseback) for capital supplementation. The portfolio includes specialized leasing products for specific asset categories: Xe Đầu Kéo (Tractor Trucks), Xe Ô Tô (Automobiles), Thiết Bị Xây Dựng (Construction Equipment), Máy Móc Thiết Bị (Machinery & Equipment), Phương Tiện Vận Chuyển (Transport Vehicles), and Thiết Bị Y Tế (Medical Equipment). Additionally, partnership-based solutions like Giải Pháp Hỗ Trợ Tài Chính Toàn Diện provide preferential terms through collaborations with suppliers such as VITRAC and WELDCOM. A Bảng Dự Tính (Calculation Tool) is available for customers to estimate lease payments. The company serves both corporate entities and individuals across Vietnam through its headquarters in Ho Chi Minh City and branches in Hanoi and Da Nang.
Differentiator
Problem solved
Functional benefit
Products and services
- Financial Leasing for Vehicles (Cho thuê tài chính ô tô, xe tải, đầu kéo) Financial leasing for commercial and passenger vehicles including cars, trucks, and tractor units. Financing up to 95% of vehicle value with terms of 13–84 months. Targeted at transportation companies, logistics operators, taxi fleets, and individual business owners needing vehicles for commercial use.
- Financial Leasing for Industrial and Construction Equipment (Cho thuê tài chính máy móc, thiết bị công nghiệp & công trình) Financial leasing for industrial machinery and construction equipment including excavators, loaders, and production line machinery. Financing up to 85% of equipment value with terms of 13–84 months. Targeted at construction companies, manufacturing SMEs, and industrial operators.
- Financial Leasing for Medical Equipment (Cho thuê tài chính thiết bị y tế) Financial leasing for medical equipment targeted at hospitals, clinics, and healthcare providers. Targeted at private healthcare facilities seeking to acquire diagnostic, treatment, and clinical equipment without large upfront capital outlays.
- Sale and Leaseback of Fixed Assets (Bán và cho thuê lại tài sản cố định) A service in which a customer sells an existing fixed asset to ACB Leasing and immediately leases it back, generating liquidity while retaining use of the asset. Targeted at SMEs and enterprises seeking to free up working capital tied in productive assets.
Quantifiable outcome
- Financing ratio up to 95% of appraised value for vehicles (vs 70-80% from banks)
- +2 more outcomes
Companies that use Acb Leasing Company
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Acb Leasing Company technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Acb Leasing Company partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- RCE VINAcoreStrategic cooperation to bring optimal financial solutions to customers through RCE VINA's network.
- DoThanh Auto (Công ty Cổ phần Ô tô Đô Thành)coreStrategic partnership signed November 24, 2020 for preferred financing programs for DoThanh Auto customers. ACBL provides capital financing with attractive incentive programs for customers purchasing DoThanh Auto vehicles nationwide.
- Hoa Lợi Trading Co. Ltd (Công ty TNHH Thương mại Hoa Lợi)coreComprehensive cooperation agreement signed October 22, 2020 for financial solutions to Hoa Lợi customers. Hoa Lợi provides exclusive benefits for ACBL partners regarding pricing and warranty policies.
- WeldcomcoreStrategic cooperation providing comprehensive financial support policies for Weldcom customers purchasing construction and mechanical equipment.
- Vitrac (Công ty CP TCT Vĩnh Phú)coreSeminar on comprehensive financial support solutions for Vitrac customers, enabling easier access to equipment with favorable terms and competitive interest rates.
- Vitrac (Công ty Cổ phần Vĩnh Phú)coreComprehensive strategic partnership for providing optimal financial solutions to Vitrac customers and supporting credit for equipment purchases.
Scale indicators5 records
Recent moves8 records
Expansion highlights5 records
Acb Leasing Company competitors and assessment
Company assessmentDirect peers
- Shinhan Finance Vietnam: Vietnamese non-bank finance company backed by Shinhan Financial Group, offering installment loans and vehicle financing. Comparable as a bank-affiliated non-bank lender in the Vietnamese market with overlapping target customers.
- VPBank Finance Company (FE Credit): One of Vietnam's largest non-bank finance companies, providing consumer and SME lending including vehicle financing. Directly comparable as a Vietnam-domiciled non-bank credit institution offering installment and asset-backed finance products to individuals and SMEs.
- HD Saison Finance: Major Vietnamese consumer finance company (JV between HDBank and Credit Saison) offering installment loans and vehicle financing. Comparable as a non-bank lender in Vietnam with similar SME and individual customer overlap.
- JACCS Finance Vietnam: Vietnamese non-bank finance subsidiary of Japan's JACCS, providing installment lending and vehicle financing. Comparable as a foreign-backed non-bank credit institution serving Vietnamese SMEs and consumers with asset-backed products.
- Mirae Asset Finance Vietnam: Vietnamese non-bank finance company backed by Mirae Asset, offering consumer loans, vehicle financing, and SME credit. Comparable as a Vietnam-based non-bank lender competing in similar vehicle and personal financing segments.
- Lotte Finance Vietnam: Vietnamese non-bank financial institution providing installment loans, vehicle financing, and cash loans to consumers and SMEs. Comparable to ACB Leasing in the Vietnamese non-bank credit market with overlapping product offerings.
Broad incumbents
- ORIX Corporation: Japan-headquartered global leasing and financial services conglomerate with operations across Asia. Comparable as an established, diversified leasing player operating in movable-asset finance, though much larger and broader than ACB Leasing's focused Vietnam book.
- BNP Paribas Leasing Solutions: European leasing arm of BNP Paribas providing equipment, vehicle, and vendor financing across multiple markets. Comparable as a global asset finance specialist serving SME and corporate customers, though operating at much larger scale and across more geographies.
- Mitsubishi HC Capital: Major Japanese leasing and finance company (formed from Hitachi Capital and Mitsubishi UFJ Lease & Finance) with global operations. Comparable as an established equipment and vehicle lessor with deep corporate customer relationships, though operating at significantly greater scale.
- DLL Group: Global vendor finance and leasing company (owned by Rabobank) specializing in equipment and asset finance across multiple industries. Comparable as a B2B-focused equipment and asset lessor serving SME and corporate customers, though with much broader geographic and product reach.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Acb Leasing Company social profiles
Digital presenceAcb Leasing Company financial estimates
Financial estimateRevenue estimate
Valuation estimate
Acb Leasing Company leadership team
Management profileNumber of profiles
Profiles3 records
Acb Leasing Company funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Acb Leasing Company M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Acb Leasing Company
What does Acb Leasing Company do?
ACB Leasing Company provides financial leasing services for movable assets including vehicles (cars, trucks, tractor units), industrial and construction machinery, and medical equipment. The company finances up to 95% of vehicle value and 85% of equipment value with lease terms ranging from 13 to 84 months, transferring asset ownership to the lessee at the end of the term. It also offers sale-and-leaseback of fixed assets. Operations are conducted through a national branch network of 347 locations across Vietnam, with the company operating as a wholly-owned subsidiary of Asia Commercial Bank (ACB).
Is Acb Leasing Company a public or private company?
Acb Leasing Company is a private company. It is classified as corporate owned and is currently operating.
When was Acb Leasing Company founded?
Acb Leasing Company was founded in 2007. It employs 1 to 10 people.
Where is Acb Leasing Company based?
Acb Leasing Company is headquartered in Ho Chi Minh City, Vietnam, in the Asia region.
How does Acb Leasing Company make money?
One revenue line is on record: financial Leasing Interest Income.
Who are Acb Leasing Company's main competitors?
Direct peers on record are Shinhan Finance Vietnam, VPBank Finance Company (FE Credit), HD Saison Finance, JACCS Finance Vietnam, Mirae Asset Finance Vietnam and Lotte Finance Vietnam. Broad incumbents are ORIX Corporation, BNP Paribas Leasing Solutions, Mitsubishi HC Capital and DLL Group.
Does Acb Leasing Company have an API?
No public API is recorded for Acb Leasing Company.
What industry is Acb Leasing Company in?
Acb Leasing Company's product category is Financial Leasing Services. Its primary akta.pro industry code is FSAKADAC, Leasing & Lease Buyout Financing, with a secondary code of TLABAAAB, SME & Small Business Vehicle Leasing. Its NAICS code is 5321 and its SIC code is 6172.