Accounting for growing SMEs
When your business outgrows a single in-house accountant, you need the full operations stack: accounting & management reporting, HR & payroll, cash flow & capital, and AI transformation - on one platform, with one point of contact. AI handles the volume, auditors review and sign. Accounting from ₫1.5m/mo, full operations bundle ₫3.5m/mo.
Beyond one in-house accountant
Volume and complexity keep rising; compliance knowledge lives in one person's head and leaves when they do - just as Circular 99, the 2026 PIT schedule and new social insurance rules all land at once.
Flying blind without management numbers
Compliance books tell you about the past; you need forward-looking cash flow to make decisions.
Operations tools bought piecemeal
Spend approvals, cash flow and budgets sit in separate tools whose data never connects to the books.
The 2025-2026 compliance wave hits SMEs hardest
Four changes landing at once - more than one in-house accountant can keep up with.
Circular 99 replaces Circular 200/133
FY 2026A new chart of accounts - books that are not converted correctly will skew every report.
Real-time e-invoice matching
Decree 70/2025 connects invoices directly to the tax authority - discrepancies surface immediately, no more "fix it later".
New PIT brackets & wider social insurance
2026A new PIT schedule and expanded mandatory social-insurance coverage - every miscalculated payslip is a future back-collection.
Reviews / audits for loans & investment
Banks and partners increasingly require financial statements that are reviewed (VSRE 2400) or independently audited.
The full SME operations stack
Everything a startup needs - plus cash flow & capital and AI transformation.
Accounting & management
- Close typically within 7–10 working days, on-time filings
- Monthly management reporting
- Budget vs actuals, spend approval
- Reviews / audits through 3M
HR & payroll
- Payroll & bilingual payslips
- Automated social insurance, PIT finalisation
- Recruitment: shortlist in 10-14 days
- Digital HR records
AI Transformation
- AI employees with job descriptions
- A human review desk
- Playbooks you own
- A monthly operating report
Cash flow & capital
- 13-week cash-flow forecast
- Controlled spend & purchase approvals
- Credit lines suggested from real cash flow
- Bank loan connections via partners
Reference fees
Fixed fees by document tier / headcount - agreed before we start, full VAT invoices.
Why SMEs choose 3M
Clean books + management reporting
Books typically closed within 7–10 working days, executive reports right after - compliance and management on one platform.
13-week cash flow & budgets
See liquidity ahead of time, compare plan vs actuals, keep spending under controlled approval.
Ready for reviews & bank financing
Books that can stand up to a review at any time, for banks and partners.
Hand over without disruption
Free review
A 45-minute session assessing your books, tax, social insurance and whichever operations you want to hand over.
Takeover & digitisation
We take handover from your current accountant, digitise the data, batch-post to MISA / QuickBooks when needed.
One platform
Accounting, HR and cash flow run on the same client portal, same point of contact.
Scale as needed
Start with accounting; switch on cash flow & capital or AI transformation when you are ready.
Frequently asked questions
Which package should an SME start with?
Usually full-service accounting from ₫1.5m/mo, adding management reporting at ₫1.5m/mo when you're ready to run the business by the numbers.
What's in the SME Advanced bundle?
It covers spend & purchase approvals, 13-week cash flow, and budget vs actuals - the full set for ₫3.5m/mo (about 30% savings).
Do you support reviews and audits?
Yes. We provide a financial statement review (VSRE 2400) at ₫15m per engagement and independent audits through 3M.
Is switching from an in-house accountant hard?
No. We take over and digitize your existing data, and batch-post to MISA/QuickBooks when needed.
How do the loan connections work?
On top of clean books and a 13-week cash-flow forecast, FinanOne (with partner Finan) suggests credit lines and connects you to banks - applications built on real data move faster and approve more often.
Clean books for fast-growing businesses
Book a free review session; we'll assess your current books and propose a roadmap.
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