Practical Financing, Delivered Professionally
T-Solutions Co., LTD is a microfinance and microloan services company operating from Nong Duang Nuea, Sikhottabong District, Vientiane. We serve individuals, entrepreneurs, and small businesses who need access to modest amounts of financing on terms they can understand and manage.
Micro-scale financing plays a specific role in the local economy. It funds the stock a shop needs before a busy season, the equipment a workshop needs to take on more work, or the personal expense that cannot wait for the next pay cycle. These are not large transactions, but they matter a great deal to the people who depend on them.
Our role is to make that financing available in a structured, documented way. Every application is assessed against defined criteria, every product is explained in full before it is agreed, and every customer has a direct point of contact throughout the relationship. We do not offer approvals without assessment, and we do not present terms that are not written down.
Our team — professional staff supporting every stage of the loan process
Our Mission
To provide individuals and small businesses in Lao PDR with access to responsible microfinance, delivered through a transparent process, clearly documented terms, and professional support at every stage of the loan relationship.
We measure our work by whether customers finish a loan in a stronger position than they started it — not by how much we lend.
Our Vision
To be recognised in Vientiane and across Lao PDR as a microfinance company that customers trust: one that is consistent in how it assesses applications, honest in how it explains its products, and dependable in how it supports the people it serves.
We want responsible financing to be the normal expectation of our customers, not the exception.
The Principles Behind Our Work
Five values shape how we assess applications, communicate with customers, and structure our products.
Professionalism
Applications are handled to a consistent standard by trained staff. Enquiries are answered properly, records are kept accurately, and commitments we make are commitments we meet.
Integrity
We describe our products accurately. If a financing option is not suitable for a customer's circumstances, we say so rather than proceeding with an application that is unlikely to serve them well.
Transparency
Interest, fees, repayment schedules, and obligations are set out in writing and explained before any agreement is signed. There are no conditions introduced after the fact.
Customer Commitment
Our relationship with a customer does not end at disbursement. We remain available for questions about statements, schedules, and repayment throughout the term of the loan.
Innovation
We continue to improve how we work — refining our assessment process, simplifying documentation, and adopting tools that make the experience clearer and faster for customers.
Applied Consistently
These values are not aspirational statements. They describe the standard we hold ourselves to on every application we receive.
What Responsible Lending Means Here
Responsible lending is a practical discipline, not a slogan. It shapes what we approve, what we decline, and how we structure the loans we issue.
Assessed Capacity
We review income and existing obligations so repayment terms fit what a customer can realistically manage.
Written Terms
Every customer receives documented terms before signing, with time to read and ask questions.
Plain Explanation
Our staff walk through the schedule and total cost in language customers can act on with confidence.
Confidentiality
Customer information is handled with care and used only for the purposes of assessing and administering a loan.
Small businesses are a large part of who we serve
Every application is assessed against documented criteria
Where to Find Us
Company Name
T-Solutions Co., LTD
Address
Nong Duang NueaSikhottabong District
Vientiane 00000
Lao PDR
Phone
Have questions about our company?
Our team is available Monday to Friday, 08:30–17:30, to answer questions about our services and application process.