Invest in One of the Fastest Growing Economies

Invest in the short-term financing market leader in Vietnam's growing SME sector through a US-compliant security token offering.


Our wholly-owned subsidiary, eLoan, JSC, launched in 2017 and has facilitated over $5M in loans disbursements.

This is a US-compliant offering pursuant to applicable Regulation D (506c) and Regulation S exemptions of the SEC.

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About Us

Fvndit owns and operates eLoan, the #1 online Peer-to-Peer (P2P) funding and investing marketplace in Vietnam for SMEs.

Team with 50+ years combined banking experience.

Local investors are earning 15-20% per annum, investing on eLoan marketplace, but currently international investors are unable to participate.

Conducting a capital raise through a US-compliant offering allows global investors to participate in our growing business with investor protection.

$6.5M+

Total Disbursements

80%

Returning Customers

0%

Non-performing Loans

10%

Month-to-month Growth


Our Mission

Our mission is to make credit more simple and investing more rewarding.

A professional team with deep banking experience and a strong commitment toward bringing reliable, professional, friendly and fast financial services to the SMEs.

Market Problem

Obstacles of conducting business in Vietnam for SMEs

Displayed as percentage of SMEs

Access to Finance/Credit
   39.4%
Anti-competitive Practices
   35.3%
Access to Land
   28.3%
Electricity
   26.7%
Transport
   24.2%
Inadequately Educated Workforce
   23.7%
Tax Rates
   16.5%
Tax Administration
   12.4%
Corruption
   9.5%

$241 billion Total GDP

(2018, IMF)

Over 50% Of GDP from SMEs

(2018, IMF)

International trade as a share of GDP in 2017

Among top 20 most populous countries

Vietnam
   200%
Thailand
   122%
Germany
   87%
Mexico
   78%
The Problem
Lack of Working Capital

SMEs often have to wait up to 90 days on their receivables from overseas clients. Banks don't like to lend to small enterprises and the approval processes take long.

The Solution
Online Short-Term Financing

Fvndit enables SMEs to get access to working capital based on their trade receivables in less than 24 hours from submitting the application at a competitive rate.

Business Model

This is the simplified business model of our P2P Marketplace in Vietnam.

Fvndit, Inc. will act as the lender (investor) on its own platform after fundraise, for dividend payments to security token offering investors.

Post-STO Fvndit Business Model

* The above is a simplified depiction of our business process for illustrative purposes only, not to be construed as investment guidelines.

Fvndit vs.

 
One Size Fits All
Documentation Requirements
Loan Duration
Approval Process
Hard Collateral
Prepayment Penalty
Credit Scoring
No
Simple
1-3 Months
< 1 Week
No
No
Unique
Traditional Banks & Lenders
Yes
Complex
> 6 Months
> 1 Month
Yes
Yes
Standard
 
P2P Marketplace
SME-Focused
Based on Trade Receivables
Up to $250,000 USD
Online Application
Lendbiz
Tima
HuyDong
VayMuon
Mofin
Megalend
 
P2P Marketplace
SME-Focused
Based on Trade Receivables
Up to $250,000 USD
Online Application
HuyDong
VayMuon
 
P2P Marketplace
SME-Focused
Based on Trade Receivables
Up to $250,000 USD
Online Application
Mofin
Megalend

About the STO

Company Name Fvndit, Inc.
Country of Incorporation USA
Company Address 7545 Irvine Center Dr., Ste. 200, Irvine, CA 92618, USA
Offering Regulation U.S. SEC Regulation D (506c) and Regulation S
Asset Class Non-Voting Preferred Equity
Token Rights Dividend and Financial Rights
Accepted Currencies USD, BTC, ETH
Restricted Areas China, North Korea, Cuba, Iran, the Crimea Region or any other country that is the subject of country-wide or territory-wide sanctions
KYC & AML Required
Accredited Investor Status Required

11,250,000 FVND

Total Number of Tokens for Sale

21.95%

Equity Stake of Tokens for Sale

$0.10 USD

Intended Annual Dividend per Token

$10,000,000 USD

Maximum Offering Amount

$1,000,000 USD

Min Offering Amount

Currently active: Pre-Sale I

Phase Discount Token Price Annual Dividend (%) Phase Size ($) Issued Tokens Min. Investment ($)
Pre-Sale I 30% $0.70 14.29% $1,050,000 USD 1,500,000 FVND $100,000 USD
Pre-Sale II 20% $0.80 12.50% $3,200,000 USD 4,000,000 FVND $50,000 USD
Main Sale 0% $1.00 10.00% $5,750,000 USD 5,750,000 FVND $10,000 USD
Phase Pre-Sale I
Discount 30%
Token Price $0.70
Annual Dividend (%) 14.29%
Phase Size ($) $1,050,000 USD
Issued Tokens 1,500,000 FVND
Min. Investment ($) $100,000 USD
Phase Pre-Sale II
Discount 20%
Token Price $0.80
Annual Dividend (%) 12.50%
Phase Size ($) $3,200,00 USD
Issued Tokens 4,000,000 FVND
Min. Investment ($) $50,000 USD
Phase Main Sale
Discount 0%
Token Price $1.00
Annual Dividend (%) 10.00%
Phase Size ($) $5,750,000 USD
Issued Tokens 5,750,000 FVND
Min. Investment ($) $10,000 USD

* Tokens are minted as contributions are received.

Use of Proceeds

Majority of the funds raised will be invested on eLoan marketplace into SME loans to satisfy the ever-growing demand for working capital. This will also allow Fvndit to pay token holders their dividends.

This part of the funds is reserved for marketing and partnerships to ensure there is enough demand to be constantly lending out the funds raised.

These funds are reserved for hiring and maintaining key personnel while scaling the business.

These funds are reserved for exploring new business offerings from a legal and compliance aspect.

Roadmap

Q2 2019

Launch STO campaign

Start 1st phase of token sale

Scale and streamline operations

Q3 2019

Start 2nd phase of token sale

Add insurance partner and other banking partners

Start expansion plans to other cities

Launch Affiliate Program

Q4 2019

Complete final phase of token sale

Launch direct lending products

Add KYC/AML automation

Push for regulatory sandbox acceptance

Q1 2020

Launch advance payroll program and Mobile Wallet

Deploy enterprise API

Increase loan limits

Open operations in Mekong Delta

Q2 2020

Start listing process for token

Kick off initial blockchain adoption

Onboard institutional partners

Open new operations in Hanoi

Q2 2019

Launch STO campaign

Start 1st phase of token sale

Scale and streamline operations

Q3 2019

Start 2nd phase of token sale

Add insurance partner and other banking partners

Start expansion plans to other cities

Launch Affiliate Program

Q4 2019

Complete final phase of token sale

Launch direct lending products

Add KYC/AML automation

Push for regulatory sandbox acceptance

Q1 2020

Launch advance payroll program and Mobile Wallet

Deploy enterprise API

Increase loan limits

Open operations in Mekong Delta

Q2 2020

Start listing process for token

Kick off initial blockchain adoption

Onboard institutional partners

Open new operations in Hanoi

Why Fvndit

Experienced Team

A professional team with 50+ years of banking and consumer product scaling experience.

Proven and Working Business

Fvndit P2P platform is fully functional and post-revenue with 10% month-to-month growth.

SEC-Compliant Asset-backed Token

Fvndit token offering is the first in the region, making it the only US SEC-compliant way to invest in the Vietnamese market.

Potential Quarterly Dividends

Fvndit plans to pay $0.10 USD dividend per token to the STO investors and token holders with potential increase in absolute return per token in the future.

Rapidly Growing Market

The Vietnamese SME market is growing by over 14% per annum with the current absolute growth being over 100,000 new SMEs registered per year.

Potential Exit

Fvndit Tokens are equity securities, and Fvndit intends to list the Fvndit Tokens on a securities exchange after the lock-up period expires.

Team

Tan Tran

CEO

Trung Vo

COO

Tom Tran

CTO

Kaur Kirikall

CMO

Zwan Ross Lee

Head of BD

Kentwell Kwok

Head of IR

Advisors

Simon Riveles

Legal Advisor

Robin Sosnow

Legal Advisor

Richard Oravec

Capital Market Advisor

Partners

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