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
Credit risk assessment you can check
Every judgement in the report states its basis and its source, so the business and the lender can both verify it.
A credit score built for Vietnamese SMEs
The result (SME Credit Index) reflects standing, financial health and repayment capacity, presented the way banks and funds are used to reading.
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 CoreFinTech is not a credit institution and does not extend credit. This is an analysis, assessment and information-connection service, carried out only with the client’s consent. The decision to lend and the specific terms rest with the bank, fund or finance company.
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.
Is CoreFinTech a credit institution?
No. CoreFinTech advises and provides analytical tools. It does not extend credit, take deposits or hold client money. Every loan is decided and made by a licensed bank, fund or finance company.
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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CoreFinTech operates a platform connecting borrowers with holders of idle capital, giving SMEs and individuals flexible, transparent and fast access to funding.
Financial data connectivity via Open API
CoreFinTech provides Open API infrastructure that lets banks, insurers, e-wallets and other FinTech companies connect and share financial data securely, lawfully and in real time.
Digital payment solutions for business
CoreFinTech provides an end-to-end digital payment system for accepting, processing and reconciling transactions across QR, cards, e-wallets and internet banking.
Ready to start your application?
Submit your information once on the CRM so CoreFinTech can receive, standardise and route your file.