On April 15, 2026, in Ho Chi Minh City, VietCredit Corporation and FAST Software Joint Stock Company officially signed a strategic cooperation agreement. This is a strategic move by VietCredit to open up access to capital for the business community using FAST’s digital accounting platform.
Representatives from FAST and VietCredit officially signed the strategic cooperation agreement to deploy unsecured loan products for businesses using FAST.
The focus of the agreement is the deployment of Tin Vay Biz – an unsecured loan solution that does not require collateral, specifically for SMEs – directly within the Fast Accounting Online software. This marks the first time VietCredit has integrated a business credit product into a large-scale accounting software ecosystem in Vietnam, clearly demonstrating its commitment to developing embedded finance.
Attending the signing ceremony, VietCredit was represented by Mr. Hoang Quoc Viet – Deputy General Director, Mr. Tran Van Lap – Director of the Corporate Customer Center, Mr. Nguyen Nhu Hieu – Director of Partner Development, and other relevant representatives. FAST was represented by Mr. Nguyen Dong Phong – Deputy Director of the Ho Chi Minh City Branch and members of the partner group.
Mr. Nguyen Dong Phong – Deputy Director of FAST Ho Chi Minh City Branch signed the cooperation agreement with Mr. Hoang Quoc Viet – Deputy General Director of VietCredit.
According to the agreement, VietCredit and FAST will jointly implement programs to support businesses in accessing credit more conveniently and transparently. The long-term direction of this cooperation is to directly integrate the Tin Vay Biz loan product into the Fast Accounting Online accounting software platform – allowing customers to apply for loans entirely online, without collateral, with a simplified process taking only a few minutes. The approval time is also significantly shortened compared to traditional lending channels, helping businesses be more proactive in supplementing working capital and expanding business operations.
Key features of the Tin Vay Biz product on the FAST ecosystem:
• Loan limit: up to 3 billion VND
• Interest rate: 18–24%/year
• Term: 6–9 months
• Disbursement time: within 24 hours
• Method: 100% online, no collateral required
• Loan purpose: supplementing working capital
• Disbursement: directly into the supplier’s account
To be eligible for the product, businesses need to meet some basic criteria: established for 24 months or more, revenue in the last 12 months must be at least 3 billion VND, and have used the FAST software for more than 6 months. By relying on digitized real-world accounting data on the FAST system, VietCredit can significantly shorten appraisal time, increase approval rates, and minimize risks compared to traditional lending methods.
The discussion between the two parties aimed to finalize a program to support businesses in accessing capital.
“The cooperation between VietCredit and FAST will bring many benefits to small and medium-sized enterprises. It will not only simplify the loan application process but also improve access to credit for businesses,” said Mr. Nguyen Dong Phong, Deputy Director of FAST Ho Chi Minh City Branch.
Representing VietCredit, Mr. Hoang Quoc Viet – Deputy General Director – also emphasized that this is a step in line with the company’s long-term development orientation in the context of the strong digital transformation taking place in the Vietnamese financial market: “This cooperation model is in line with the trend of digitalization, clearly demonstrating VietCredit’s orientation towards developing embedded finance. We expect this to be a modern digital access channel for capital, bringing practical value to the SME business community.”
The signing ceremony marks the beginning of a long-term strategic partnership. According to the division of responsibilities, VietCredit will be fully responsible for product development, credit policies, appraisal, approval, disbursement, and post-loan management; while FAST will take on the role of connecting and introducing products to customers within the ecosystem and supporting initial information gathering. Both parties plan to further expand the scope of cooperation in the future, aiming to build a comprehensive digital financial ecosystem for Vietnamese businesses.
FAST and VietCredit agree on cooperation plans to implement digital financial solutions.
About VietCredit
VietCredit, a joint-stock financial institution licensed by the State Bank of Vietnam, specializes in providing consumer finance and credit solutions for individuals and businesses. VietCredit is currently focusing on developing digital financial products, aiming for an embedded finance model to better serve the borrowing needs of the market.
Hotline: 1900 – 6515 | Website: www.vietcredit.vn