Welcome to FundLok!
FundLok is a capital-matching platform between Investors & SMEs, enabling businesses to borrow and repay based on actual revenue — flexible, transparent, and aligned with their pace of growth.
What are SMEs barriers?
FundLok’s Vision
High interest rates?
Asset not qualified for collateral?
Inflexible payment term?
Pressure of having to pay off interest too quick?
FundLok believe every SME has a different story
Cash flow, growth pace, and repayment pressure are not the same for every business.
That is why we build flexible capital solutions that adapt to each real-world situation.
Then SME investments become an even better asset
When financing fits the business, SMEs grow more sustainably, investors gain greater confidence, and the economy functions more efficiently.
Why is FundLok special?
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Stable, daily income
Transparent, clear, and highly auditable information
Interest repaid progressively depending on SME’s performance
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Repay off debt using daily revenue
Flexible loan size & payment term
Automatic, intuitive & highly collaborative system
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Documents reading, loan assessment, and interest calculations are 100% automatic
Data submitted must be from verified sources to protect all parties
Real-time business financial report & loan health assessment
FundLok’s Achievements
Meet Our Team
Huy Pham
Huy leads FundLok’s financial discipline and strategic oversight, helping shape a platform built for sound structure, credibility, and sustainable growth. His perspective supports FundLok’s commitment to strong financial foundations and long-term resilience.
Chief Financial OfficerLoc Vuong
Loc grew up in an SME environment and understands firsthand the funding challenges many businesses face. He founded FundLok to build a more flexible and transparent capital platform designed around real business cash flow, growth pace, and repayment capacity so that everyone can access fundings, and anyone can be an investor.
Founder & Chief Executive Officer
Chief Technological OfficerEdward Wong
Edward leads FundLok’s technology architecture, with deep knowledge of the fintech industry and a strong focus on automation, system design, and intelligent infrastructure. As an NVIDIA-certified Agentic AI Professional, he helps shape the technology layer that makes FundLok scalable, secure, and efficient.