Transparent
The business knows which step its file is at, what is missing, and why the lender asks for that document. Nothing arises beyond the original agreement.
About us
Core FinTech Joint Stock Company
Founded in 2025 in Ho Chi Minh City, CoreFinTech brings technology to the hardest part of the capital journey: standardising documentation and connecting a business with the right source of funding.
Why CoreFinTech exists
In Vietnam, most small and medium enterprises are not short of a business plan — they are short of a file convincing enough for a lender. For the same business, every bank asks for a different set of documents, and every submission means starting over. Good applications stall, and owners lose months simply travelling between offices.
By 2025 the legal framework for financial technology in Vietnam had become far clearer. Decree 94/2025/ND-CP established a controlled testing mechanism in banking and named three groups of solutions: credit scoring, data sharing through open application programming interfaces (Open API), and peer-to-peer lending (P2P Lending). For the first time, using data and technology to assess a company’s financial capacity had a framework to follow instead of a grey area.
CoreFinTech was founded in that context, around one concrete question: if a company’s financial data were standardised and digitised once, could the distance between needing capital and receiving it be shortened? Everything about how we work — the online intake portal, credit scoring, the network of funding partners — is built around that question.
Vision
Unlocking capital for Vietnamese business.
We are working towards a market in which a company’s financial capacity is shown through clear data, so that lenders decide on substance rather than on the thickness of a paper file or on existing relationships.
- Transparent capitalClear conditions, clear costs, clear timelines from the outset.
- Affordable capitalComparing several options to optimise the cost of capital.
- Fast capitalStandardise the file once, use it across many funding channels.
How we work
Three commitments CoreFinTech makes on every file, whatever the amount involved.
A sensible cost of capital
The same funding need can be met by options with very different interest rates, financing ratios and covenants. We compare them so the business can choose the cheapest and safest one.
Fast, no detours
The file is standardised and digitised once, then shared across several funding channels, instead of being rebuilt from scratch for each one.
CoreFinTech today
A few figures that reflect the scale of our work as of 2026.
- 2.000+applications received
- 30+banks, funds & finance companies
- 34/34provinces and cities served
- 20+advisory specialists
CoreFinTech serves clients across all 34 of the country’s 34 provinces and cities, with a team of more than 20 advisers and a network of over 30 banks, investment funds and finance companies. Our office is in the central Ben Thanh area of Ho Chi Minh City.
The initial review and assessment of a 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.
Start from a properly built file
Send your requirement through the CRM portal and CoreFinTech will review it and come back with a suitable way forward.