• Support the business growth for underbanked and underserved SMEs
• No financial report and no collateral required
• No direct site-check
• Online process of providing documents and approval
• Competitive interest rates compared to similar finance companies or unsecured solutions

Customers need to satisfy our basic conditions:

• Have a business registration license operating >= 12 months
• Business areas: Ho Chi Minh City, Binh Duong, Long An, Dong Nai, Ba Ria – Vung Tau
• No history of NPL
• Not operating in restricted industries according to our regulation such as: real estate, insurance, construction, karaoke…

1. Documents:
You need to provide the photo of your ID card with a selfie to us. We will then send a sample broker contract to your email. Then, you will e-sign and send it back to us by responding to the email.

2. How to pay commissions to the broker?
Periodically on the 15th day of every month of month T+1, we will pay the broker commissions for applications in month T. The commission will be transferred directly to the broker’s account (this account is clearly stated by the broker on the Broker Contract). In case the broker changes the account number, it must be notified to our staffs for timely adjustment.

Please follow this formula:

• Total cost = Interest rate (18%/year with the amortization) + Disbursement fee (6-9%/year/loan amount based on customer ranking)

Note: The fee will be deducted from the disbursement amount and in addition, we commit not to incur any other costs.

The process includes the following steps:

1. Validus staff will guide customers to provide documents and upload them to our system (online).
2. We will have video calls or direct site-check (rarely) with customers.
3. We then issue approval to the customer and send the documents along with the loan contract via email to the customer.  
4. Customers sign the contract or e-sign (for business households) and send it back to us. After receiving documents, we will disburse.