Finance

From cross-border syndicated loans to fintech business models with no established legal precedent, financial transactions in Vietnam consistently require a careful balance between commercial structuring and the country’s stringent banking regulatory framework. HM&P advises lenders and borrowers on project finance, foreign borrowings and loan registration, security arrangements and enforcement of secured assets, as well as foreign exchange regulatory requirements. In the fintech sector, we assist businesses in positioning their business models within the existing legal framework—from payment intermediary services and peer-to-peer lending to regulatory sandbox mechanisms—so that innovation does not come at the expense of legal certainty.