Tendoo Lending - digital loan, disbursement within 24 hours
Tendoo Lending plays the role of an intermediary platform connecting loan needs between HKD, SME with reputable banks and finance companies. Instead of having to carry out many procedures at the transaction counter, customers who are using Tendoo sales management software, Viettel's electronic invoice (SInvoice) can now experience the 100% digitalized loan process: from registration, dossier sending, receiving appraisal results, approval are all carried out online and 24/7 support. Required dossiers will be disbursed within 24 hours.
Access to capital quickly, without collateral and disbursement within 24 hours helps SMEs and SMEs easily supplement regular working capital for essential activities such as: Payment of purchase invoices, import of raw materials; operating costs as well as other costs serving production and business.
A representative of Viettel Telecom shared: "The launch of Tendoo Lending not only helps Viettel increase the value of the Tendoo ecosystem, but also builds a comprehensive digital operating platform: both effective sales management and flexible financial access support. Solving the problem of capital quickly is the key for businesses to optimize operations in the digital age".
Loan limit up to 2 billion, term up to 60 months
Launched in February 2026, Tendoo Lending has connected with Vietnam Prosperity Joint Stock Commercial Bank (VPBank) to provide unsecured loan packages without collateral for HKD with a limit of up to 2 billion VND and flexible loan terms of up to 60 months. In the near future, the platform will continue to expand cooperation with banks and many other reputable financial institutions, bringing diverse loan packages and meeting different capital needs of HKD.
For small and medium-sized enterprises (SMEs), Tendoo Lending cooperates with Tien Phong Commercial Joint Stock Bank and Vietnam Prosperity Commercial Joint Stock Bank (VPBank) to allow SMEs to register dossiers and receive approval results for limits directly on Tendoo Lending.
Accordingly, Tien Phong Commercial Joint Stock Bank provides a super-fast unsecured loan package for SMEs with interest rates from 1%/month, with a throughput limit of up to 500 million VND, accompanied by the privilege of free capital withdrawal and pre-term repayment, without requiring collateral.
Vietnam Prosperity Joint Stock Commercial Bank (VPBank) provides an online invoice unsecured overdraft loan package with an overdraft limit of up to 200 million VND, interest rate from only 1.7%/month with the form of registering dossiers, receiving approval results and issuing 100% online limits.
Solving the capital thirst problem of SMEs
Currently, outstanding loans of SMEs reach 18,4 million billion VND, with a growth rate of 13.37%, accounting for 17-20% of total outstanding loans of the entire economy. Although playing the role of "backbone", SMEs and SMEs are still facing countless difficulties in accessing capital sources. Traditional lending models often require strict collateral, cumbersome procedures and long appraisal times, causing businesses to miss many business opportunities.
Closely following the State's policies, especially Resolution 68 and Decree 94 on policies to support business recovery, Viettel Telecom has taken advantage of its superior advantage in customer scale, digital technology platform and big data technology to launch Tendoo Lending. This is a practical action to realize the goal of accompanying the Government in unlocking capital sources, supporting business recovery and development.
The launch of Tendoo Lending affirms Viettel's strong and long-term commitment to creating a favorable business environment, narrowing the gap between businesses and financial resources, thereby promoting the sustainable development of the Vietnamese business community.
