LendbizPhat Loc Package

Phat Loc Investment Product

A Bank Saving Acount with 12% pa rate of return

When participating in Phat Loc product, Investors will sign a Contract and entrust investment capital to Lendbiz Capital to lend to Enterprises/Households. Lendbiz Capital commits to return the principal and fixed interest to the Investor upon the Contract’s maturity.

Product Conditions

  • Citizens aged 18 years or older, having full civil act capacity as prescribed by the Civil Code.
  • Foreign individuals who are living and working in Vietnam from 18 years of age or older have full civil act capacity in accordance with the provisions of Vietnamese law.
  • Not applicable to joint account holders or account holders who are state-owned companies or whose shareholders are state-owned companies.

Product Details

  • Profit from 6.5% - 12% up to participating terms
  • Investment term: 1 - 3 - 6 - 9 - 12 months
  • Minimum investment amount from: 10 million VND
  • Personal income tax: Lendbiz Capital will pay on behalf of Investors
  • Free Investment and management consulting fee
  • Only receive principal and no profit if Early withdrawal

Risk Free

Investor bear no risk when Lendbiz Capital lends to Enterprises/Households

High Profit

Profit from 6.5% – 12% up to participating terms

Short term

Short term from 01-12 months

Low Barrier
to Entry

Minimum investment from 10 Million VND

How investing with us

Step 1: Apply with us
Step 2: Sign the Investment contract and Deposit
Step 3: Get principal, interest payback when due date

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Mr. Nguyen Le Hoang

Vice Managing director

Nguyen is our Vice Managing director.  After graduating as an engineer in Information Technology at the Institute of Post and Telecommunications Technology, he has 13 years of experience in Information Technology:

  • 02 years as Deputy Director of An Vui Technology Joint Stock Company
  • 03 years as Project Manager at Fruitful Technology Co., Ltd
  • 02 years as Senior Developer at An Gia JSC
  • 03 year as Senior developer at Net2E Online Education and Training JS Company

Mr. Nguyen Hoang Nam

Investment Head cum Marketing Head

Mr. Nguyen Hoang Nam has been appointed as Chief Strategy Officer, officially joining Lendbiz's financial leadership team since June 2022.

  • Ph.D. graduated in 2019 from Hunan University (China-ranked 195 in the world - according to US News & World Report)
  • Expert on Vietnam's No.1 Economic news site: CafeF
  • Published 03 standard studies of the American Institute of Scientific Information (ISI)
  • Experienced in combat at Hanoi Investment and Development Fund (HANIF)
  • Over 15 years of experience in managing and teaching Teaching Undergraduate and Graduate Schools at Public and Private Universities in Vietnam at Public and Private Universities in Vietnam

Mr. Phong Nguyen Hong

Sale Director

Phong is our Sales Director and incharge of business development in Hanoi Market. Before joining Lendbiz, Mr. Phong had 13 years working at BIDV- one of the four largest banks in Vietnam.

  • 2 years as Head of Risk Management Department – ​​BIDV South Hanoi Branch
  • 5 years as Head of Personal Banking Department – ​​BIDV South Hanoi Branch

Mdm Dzung Pham Thanh

BOD cum Risk Head

Dzung is BOD member and Head of Risk. She is responsible for Risk Strategy, Product and Implementation. Dzung is BA and MBA from Banking Academy and has 16 years of experience at local and international banks before working at Lendbiz:

  • 4 years as Head of Risk and Debt Collection Policy – ​​VPBank.
  • 03 years as Branch Manager,  Prudential Finance 
  • 04 years as Head of Loan Appraisal and Approval Department – PGBank

Mr. Vuong Tran Anh

Member of the Board of Directors & Senior Advisor

Vuong has been our BOD senior advisor since 2018. He is one of the four powerful judges of the famous Shark Tank TV show. Vuong graduated with BA and MBA from NEU. Mr. Vuong has vast experience of doing business in many different fields including Import and Export, Manufacturing, Real Estate and Investment. Vuong is also an entrepreneur who is interested in developing the young generation and actively contributes to community activities. He is currently Vice Chairman of Vietnam Young Entrepreneurs Association.

Mr. Hung Nguyen Viet


Hung Nguyen Viet is our Chairman/CEO. He is responsible for developing business strategies and implementation. He has BA at the Banking Academy in 1995 and a Master of Economics from the Academy of Finance in 2006 and has been working in the field of finance and banking for 24 years

  • 03 years as Head of Retail at VietAbank
  • 05 years as Head of Retail at PGbank
  • 03 years as Branch Director at Pgbank