Collecting and standardising data from many sources
Data from banks, e-invoices, POS terminals, tax filings and e-wallets is brought together into one lawful, encrypted credit profile.
Service
Intelligent credit scoring for SMEs
CoreFinTech applies artificial intelligence and open data to build accurate, transparent credit scoring for small and medium enterprises. Banks, funds and investors can assess a company’s financial capacity quickly, while the SME understands and improves its own score to reach capital more easily.
What the service covers
Reading financial behaviour with AI
The system assesses revenue patterns, costs, repayment history and cash flow to identify latent credit risk with a high degree of accuracy.
A proprietary SME credit scale
We maintain an index for Vietnamese companies (SME Credit Index) that reflects standing, financial health and capacity to repay.
Clear, readable scoring reports
Reports come as charts and indicators, with guidance on improving the score, so the business can see what drives it and act on specifics.
Connecting banks and funds through an API
Financial institutions can access the score — with the client’s consent — which shortens approval times and lowers appraisal costs.
Regular updates and score trends
The system refreshes when new financial activity appears, so the business can follow its score month by month or quarter by quarter and improve the file in good time.
Legal note The service operates within the FinTech sandbox approved by the State Bank of Vietnam. CoreFinTech does not extend credit; it provides analysis, assessment and information-connection services with the client’s consent.
Documents to prepare
The score is built on the company’s real data, so the quality of what goes in decides how accurate the result is.
Company
- Business registration certificate
- Financial statements for the most recent periods
- Tax returns already filed
- Bank account statements
- Contracts and invoices, both issued and received
Data used for scoring
- Bank statements covering a long enough period
- Revenue, cost and profit figures by period
- Outstanding debt and repayment history
- Sector, operating model and headcount
Free initial review of your file
You can send what you have even if the paperwork is incomplete. CoreFinTech looks at it, points out what is missing and how to fill the gaps before approaching a lender.
How we work through it
Four clear steps, so the business always knows where it stands and what comes next.
Review of current operations
CoreFinTech looks at your processes, the systems in use and transaction volumes to define the scope of work. This step is free.
Proposal and scope
We agree the delivery model, the data to be connected, the compliance requirements and how results will be measured once live.
Integration and pilot
Technical connection, a pilot on real data at small scale, and adjustment before rolling out.
Live operation and support
Handover, training for your team, and support during operation with regular tracking reports.
Frequently asked questions
What clients ask most often about this service.
Does the CoreFinTech score replace CIC?
It does not. It is a tool that lets a company see its own financial standing and present it in a structured way to a lender. Credit institutions still consult their own systems and make their own decisions.
Does the scoring model sit within any legal framework?
Credit scoring is one of the groups of solutions named in the controlled testing mechanism under Decree 94/2025/ND-CP. CoreFinTech builds its solution to follow that framework.
If my score is low, can it be improved?
Yes. The report shows what is pulling the score down — usually cash flow through the account not reflecting the full turnover, an unbalanced debt structure, or figures that do not agree between sources. These are things a business can put right itself.
What is the information I provide used for?
Your information is used only for appraisal and for connecting you with funding, in line with the Privacy policy of CoreFinTech.
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Ready to start your application?
Submit your information once on the CRM so CoreFinTech can receive, standardise and route your file.