On May 13, 2025, at VietCredit’s headquarters in Hanoi, the signing ceremony for the strategic cooperation agreement between VietCredit and KiotViet officially took place. This event marks a significant milestone in the journey of accompanying and supporting the community of individual business owners and small and medium-sized enterprises (SMEs) – forces playing a pivotal role in the Vietnamese economy.
In the context of a rapidly fluctuating economy, every missed business opportunity, every delayed shipment, slows down the pace of life. Businesses need a financial partner – flexible, understanding, and ready to support when needed.
Understanding these difficulties, VietCredit has developed Tin Vay Biz – a financial product specifically designed for individual business owners and SMEs. Importantly, this product is now directly integrated into the KiotViet sales management platform, providing convenience, speed, and seamless access to capital for customers.
Tin Vay Biz – Transparent Financial Solutions
Tin Vay Biz is a pioneering product in applying financial technology (fintech) to provide financial services that are fast, accessible, and tailored to the actual needs of business households. The product has the following outstanding features:
● Flexible loan amounts: from 10 to 500 million VND, terms from 2 to 12 months
● Reasonable interest rates: from only 0.88%/month
● Transparent costs: No service fees, no insurance fees
● No collateral required
● Simple procedures: only need ID card, business license, invoices and basic cash flow information
● 100% online registration directly on the KiotViet platform
● Fast disbursement within the day, meeting urgent capital needs
The registration process consists of only 4 steps:
- Choose loan amount
- Fill out application and upload documents
- Sign electronic contract
- Wait for approval and receive disbursement
Customer Trust
Immediately after the pilot phase, Tin Vay Biz successfully disbursed loans to over 1,000 customers nationwide. Positive feedback from users has partly proven the suitability and effectiveness of the product:
Ms. Huong – Owner of a stationery store in Van Quan, Ha Dong (Hanoi):
“After more than a year in the stationery business, I realized that this industry always needs capital to import goods and clear inventory, especially during the off-season. Tin Vay Biz helped me easily borrow capital with reasonable interest rates. The enthusiastic support team helped me complete the online application and receive the disbursement in just a few minutes.”
Mr. Trieu – Owner of an online cosmetics shop in Dinh Cong (Hanoi):
“As an online shop, I need working capital to import goods and operate my website. Tin Vay Biz provides quick and easy-to-understand support, helping me complete the online application and receive the disbursement in just one minute, without needing to go in person. The interest rate is reasonable, and the process is clear, so I feel very secure borrowing with Tin Vay Biz from VietCredit!”
Statements from representatives of both sides:
– KiotViet representative:
“As a leading sales management platform in Vietnam, we have great confidence in our partnership with VietCredit. Now, our customers not only have an effective sales management software, but also receive financial support, creating a comprehensive solution that accompanies them in all aspects. This helps small business owners not only conduct business effectively, but also achieve sustainable growth in the digital age.”
– VietCredit Representative:
“VietCredit is proud to offer Tin Vay Biz solution: 100% online registration – No insurance fees – Same-day disbursement. We are confident in our 24-hour appraisal and disbursement speed, significantly faster than traditional loan methods, thanks to the application of modern fintech technology.
Tin Vay Biz not only provides capital, but will be a true financial partner. Ready to help customers maintain business momentum, seize opportunities, and achieve sustainable growth.”
Future Orientation: Continuous Development
With positive initial results, VietCredit and KiotViet are committed to continuously improving the product, optimizing processes, and enhancing user experience. The goal is to minimize barriers to borrowing for small businesses while expanding access to finance to more customer groups nationwide.
The collaboration between the two entities goes beyond simply facilitating quick disbursement – it aims to build a smart, reliable financial ecosystem, with the long-term goal of ensuring sustainable business success for clients.