A full picture of the finances and the debt
We assess the whole debt portfolio, the credit history, guarantee obligations and actual cash flow, to find what caused the imbalance and propose a way through.
Service
Credit restructuring and debt resolution
CoreFinTech supports companies under cash-flow strain, classified in a higher risk group or financially out of balance, to reorganise their credit structure, ease the burden of debt and restore financial capacity. The work is carried out lawfully, alongside banks, finance companies and legal advisers, so it stays transparent, workable and within the rules.
What the service covers
Designing the restructuring plan
We shape the right model: extending maturities, deferring interest, swapping assets, consolidating loans or refinancing — whatever improves the company’s ability to repay.
Engaging and negotiating with creditors
We represent the company in talks with banks, finance companies and investment partners to agree the adjusted debt and a new repayment schedule.
Advising on risk reclassification and credit recovery
We help prepare the file, the explanations and the evidence of repayment ability needed to be considered for a lower risk classification, a restored credit score and access to new borrowing.
Legal advice and credit risk management
Together with lawyers and financial specialists we review the loan agreements, identify legal exposure and propose measures that protect the company should a dispute arise.
Oversight and support after restructuring
Once the plan is approved, CoreFinTech continues to track its execution, update the cash-flow reports and help the company hold its financial discipline so bad debt does not return.
Legal note All credit restructuring work follows the Law on Credit Institutions and the State Bank’s rules on debt classification. CoreFinTech does not borrow on your behalf and does not trade debt; it advises, arranges and negotiates lawfully between the company and licensed financial institutions.
Documents to prepare
A restructuring file needs a complete picture of the current obligations — the more detail, the more accurate the assessment.
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
Individual client
- Citizen identity card or passport
- Bank account statements
- Employment contract or other proof of income
- Documents on marital status
Documents on the debt position
- Schedule of all outstanding debt and the current repayment timetable
- Credit agreements currently in force
- Risk classification and repayment history for the last one to three years
- List of assets currently pledged as security
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.
Send the requirement and initial review
The business submits its information on the CRM portal. CoreFinTech reads the file, identifies a workable route and states plainly what still needs to be added. This step is free.
Standardising and digitising the file
We reorganise legal papers, financial figures and cash-flow evidence the way a lender needs to read them, instead of starting over at every institution.
Building the restructuring plan
From the real debt picture, CoreFinTech proposes a route: extending terms, converting maturities, consolidating loans or arranging alternative funding — each with its advantages and drawbacks set out.
Working with lenders and following through
We support the company in its dealings with the credit institutions concerned and monitor how the agreed plan is carried out.
Frequently asked questions
What clients ask most often about this service.
If we are already in a bad-debt classification, is there still a way through?
There is, but the route differs from an ordinary file and it takes time. The risk classification directly affects access to new capital, so the first stage usually concentrates on settling existing obligations and rebuilding the credit record before any new borrowing is considered.
Can CoreFinTech erase a bad-debt record from CIC?
No. No organisation can erase a credit history once it is recorded. What can be done is to settle the existing obligations fully and wait for the data to update as the rules provide. Anywhere that promises to erase bad debt immediately is a warning sign.
How is the cost of the service worked out?
The initial review and assessment of the file is free of charge. Service fees are agreed file by file and confirmed in writing before any work begins; nothing arises outside that agreement.
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.
Related services
Services businesses often weigh up at the same time as this one. See them all at Capital advisory.
Swipe for more →
Optimising financial leverage on asset transactions
CoreFinTech helps businesses unlock the full value of existing assets — real estate, factories, equipment and investment projects — through compliant, safe and effective financial solutions.
Project write-up & fundraising documentation
CoreFinTech builds project documentation, business plans and financial models to the standards required by banks, investment funds and financial institutions in Vietnam and abroad.
Financial advisory for migration & international investment
CoreFinTech helps individuals and companies prepare proof of financial capacity, capital structure and lawful investment documentation for residency, investment and international expansion programmes.
Ready to start your application?
Submit your information once on the CRM so CoreFinTech can receive, standardise and route your file.