SoBanHang (Finan Pte. Ltd.)

What SoBanHang (Finan Pte. Ltd.) does

SoBanHang, operated by FINAN PTE. LTD. (Singapore) through its Vietnamese operating entity Công ty TNHH Finan, is a mobile-first SaaS platform that provides point-of-sale, inventory, financial management, and tax compliance tooling to Vietnamese micro-businesses and household traders (Hộ kinh doanh). Launched in August 2021 by brothers Bùi Hải Nam and Bùi Hải Long, the platform targets a historically underserved long-tail of paper-ledger-based small retailers and has scaled to over 800,000 business users across all 63 Vietnamese provinces as of May 2026. The core Sổ Bán Hàng mobile app is augmented by FinanBook (cash flow management), an OpenAPI inter-bank payment layer, and an electronic invoicing module integrated with VNPT for compliance under Vietnam's Nghị định 70.

The product stack is built around multi-channel commerce synchronization (Shopee, TikTok Shop, Lazada, Facebook, Zalo), automatic bank reconciliation, debt collection automation, and an AI P/L analysis assistant, all hosted on AWS Singapore infrastructure. Strategic bank partnerships with Shinhan Bank Vietnam, Hong Leong Bank Vietnam, and HDBank have converted the platform into an embedded distribution channel, including the co-developed Shinhan Store application launched in May 2026. A May 2026 MOU with Singapore Management University adds AI/Fintech research capability aimed at Southeast Asia expansion.

SoBanHang operates a freemium-plus-subscription model with a 14-day trial and monetizes through monthly paid tiers offering AI analytics, multi-channel sync, and priority support. Cumulative disclosed funding totals approximately $7.2 million across seed rounds in 2021–2022, a $200,000 raise in early 2024, and a $3.8 million pre-Series A in May 2026 led by Hong Leong Bank, with prior investors including FEBE Ventures, Class 5, AlleyCorp, Trihill Capital, Antler, and OSK-SBI Venture Partners. The company employs 51–100 people and is positioning its product suite as a financial operating system for SMEs across Southeast Asia.

Name

SoBanHang (Finan Pte. Ltd.)

Legal name

FINAN PTE. LTD.

Website

https://sobanhang.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

51–100 employees

Short description

SoBanHang (Finan Pte. Ltd.) is a Singapore-headquartered mobile SaaS platform serving Vietnamese micro-businesses and household traders with POS, multi-channel commerce sync, cash flow management, and tax compliance tools, reaching 800,000+ users across all 63 Vietnamese provinces.

Ownership category

akta.pro rank

Product category

Small Business Sales Management Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)

Keywords

• Mobile point-of-sale
• Sales management software
• Small business inventory
• Electronic invoicing solutions
• Multi-channel commerce

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Subscription (Phiên Bản Tính Phí): Paid subscription tiers (Phiên Bản Tính Phí) with advanced features for managing sales, inventory, and finances. Users pay prepaid fees for access during the subscription term. The platform offers both free basic features and paid premium versions.
2. Platform Services: Services include sales management, inventory management, financial recording, and e-commerce platform integrations. No direct transaction fees mentioned for buyers or sellers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

SoBanHang is a mobile-first SaaS sales management platform built for Vietnamese micro-businesses and household traders (Hộ kinh doanh). It provides point-of-sale, inventory management, multi-channel commerce integration with Shopee, TikTok Shop, and Lazada, AI-powered profit and loss analysis, automatic bank reconciliation, debt collection automation, and electronic invoicing compliant with Vietnamese Decree 70. The ecosystem includes FinanBook for cash-flow management and OpenAPI for inter-bank payment processing.

Product overview

SoBanHang offers a unified platform consisting of Sổ Bán Hàng as the core mobile sales management app for small businesses and retailers, supplemented by FinanBook for financial management and banking reconciliation, OpenAPI for inter-bank payment processing, and Electronic Invoice Solutions for Vietnamese tax compliance. The platform connects to major e-commerce marketplaces (Shopee, TikTok Shop, Lazada) and social media platforms (Facebook, Zalo OA) for centralized business operations management.

Differentiator

Problem solved

Functional benefit

Brands

• FinanBook: Smart cash flow management solution under the Finan ecosystem — handles receivables tracking, accounting, and bank account reconciliation.
• Shinhan Store

Products and services

• Sổ Bán Hàng (SoBanHang) Mobile Sales Management App Mobile-first sales management app for Vietnamese micro-businesses offering point-of-sale, inventory management, customer loyalty, multi-channel marketplace integration (Shopee, TikTok Shop, Lazada), Facebook and Zalo OA integration, AI profit and loss analysis, debt collection automation, and electronic invoicing from cash registers.
• FinanBook Smart cash flow management solution for Vietnamese small businesses offering smart receivables, accounting reconciliation, and bank account integration for managing incoming and outgoing payments.
• OpenAPI Banking Integration Platform Banking integration platform that exposes OpenAPI for inter-bank payment processing and reconciliation, enabling businesses and partners to manage collections and disbursements across multiple Vietnamese banks from within their own systems.
• Shinhan Store App Joint financial management application co-developed with Shinhan Bank Vietnam that delivers comprehensive sales and financial solutions to Vietnamese micro-businesses through the Shinhan Bank customer channel.

Quantifiable outcome

• Customer retention rate increase of up to 34% through customer management features
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability3 records

Feature6 records

Partnerships

Six partnerships are on record, tiered major, flagship and core.

• Hong Leong Bank VietnammajorGTM or Marketing Partner · 1 June 2026Joint marketing campaigns from June-August 2026 offering special packages for household businesses including account opening promotions and bundled solutions
• HDBankmajorGTM or Marketing Partner · 1 June 2026Partnership to provide bundled solutions including sales management, digital signature, and electronic invoices free for up to 1 year to HDBank SME customers
• Shinhan Bank VietnamflagshipStrategic or Co-development Partner · 5 May 2026Strategic partnership to create Shinhan Store app and comprehensive financial solutions for Vietnamese micro-businesses. Launched at Shinhan Bank office in Ho Chi Minh City.
• Singapore Management University (SMU)coreStrategic or Co-development Partner · 1 May 2026Strategic partnership to promote AI Fintech applications for SMEs across Southeast Asia. MOU signed at SMU in Singapore.
• VNPTmajorTechnology or Integration · 1 January 2025Partnership to provide electronic invoice solutions from cash registers, integrated with VNPT's infrastructure for tax authority connectivity
• Bùi Hải Nam and Bùi Hải LongcoreOthers · 1 January 2021Founders of SoBanHang - brothers who started the startup to help Vietnamese small retailers digitize their paper-ledger operations

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• BukuKas: Indonesia-based mobile accounting and cash flow management app targeting micro and small businesses. Comparable to SoBanHang/FinanBook in serving Southeast Asian informal merchants with mobile-first bookkeeping and financial recording, providing a regional benchmark for expansion.

Broad incumbents

• Mekari: Indonesia-headquartered SaaS suite offering accounting, payroll, POS, and e-invoicing for SMBs and enterprises. Operates in the broader Southeast Asian SMB software category overlapping with SoBanHang's accounting, electronic invoicing, and financial management capabilities.
• Wave Accounting: Global SMB accounting and invoicing software serving small business owners with bookkeeping, invoicing, and receipt scanning. Comparable to SoBanHang's financial management and AI-powered P&L analytics features for very small businesses.
• Square (Block): Global SMB POS and payments platform offering hardware, software, and embedded financial services to small merchants. Comparable to SoBanHang's POS + payments + banking integration stack, though operating at much larger scale and in Western markets.
• Zoho Books: Part of Zoho's SMB SaaS suite offering accounting, invoicing, and inventory management for small businesses globally. Overlaps with SoBanHang's financial recording, inventory, and multi-channel sales functionality though targeted at more formal SMB segments.

Direct peers

• Sapo POS: Vietnamese omnichannel POS and retail management platform serving SMBs with sales, inventory, and marketplace integrations. Competes head-to-head with SoBanHang in the Vietnamese micro-retail segment with comparable multi-channel selling and e-invoicing functionality.
• KiotViet: Vietnam's leading retail and SMB management SaaS platform offering POS, inventory, invoicing, and e-commerce integrations to small retailers. Directly competes with SoBanHang for Vietnamese micro-business and household trader customers with overlapping POS, multi-channel, and tax compliance feature sets.
• Haravan: Vietnamese omnichannel commerce platform providing POS, online store, and marketplace integrations for SMB retailers. Directly competes with SoBanHang's multi-channel selling proposition for Vietnamese small and mid-sized retailers selling across Shopee, Lazada, Facebook, and physical stores.
• iPOS: Vietnamese cloud POS and F&B management software widely used by small restaurants, cafes, and retailers. Targets the same F&B and modern retail micro-business customer base as SoBanHang with overlapping table management, kitchen printing, and inventory features.

Others

• VNPT eInvoice / TaxCore: State-linked Vietnamese telecom and e-invoicing infrastructure provider partnering with SoBanHang for electronic invoice issuance. Relevant as both an enabling infrastructure partner and a potential adjacent competitor in Vietnamese SMB tax compliance services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/jobs/sobanhang-jobs-worldwide?f_C=79825878

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SoBanHang (Finan Pte. Ltd.)