Contact HES
+44 208 123 96 45
+1 347 632 8900

Software for Lending: Banking, P2P, SME & Micro Lending

HES is a financial software vendor and technology consultant. We provide the technology backbone to power the full lifecycle of the loan – from origination, underwriting and servicing to collections and pipeline performance tracking.

Designed with customisation and scalability in mind, HES lending platform allows for accommodating the needs of different sizes of businesses and types of financial organisations. It can be explicitly tailored to reflect your brand identity and comply with the legal requirements. Our solution is a solid alternative to proprietary loan origination software and in-house development efforts. It offers an extended borrower experience and the ultimate loan processing capabilities.

From microfinance to online lending marketplaces – all on one powerful platform

HES online lending software diagram

Advantages

HES platform has already been chosen by customers around the world for its feature-rich modular architecture. As an all-in-one loan origination and servicing solution, it brings you the following advantages and more:

  • Consistent customisation
    HES offers endless customisation options to meet the most demanding financial business needs.
  • Rich integration capabilities
    HES solutions are built with open source tools. They integrate well with any existing infrastructure and deliver real-time results.
  • Exceptional online experience
    Automatic page rendering across multiple devices ensures seamless omni-channel experience.
  • User-friendly responsive design
    Thanks to the clean and simple user interface HES solutions can be accustomed to in a matter of minutes.
  • Minimal time to market
    The combination of Agile practices and continuous integration and delivery reduces the development life cycle and allows for staying ahead of competition.
  • Customer proven solution
    40+ implementations around the globe, 400 000+ credit applications processed per month.
  • Source code availability
    The source code is available for purchase.

Key Features

Our software has been created to encompass all major activities needed to launch and run a profitable lending business — lead generation and marketing, financial product management, credit application, risk management and scoring, payments, reporting and a number of other functions. Build your own loaning solution using HES technology framework and make it work for you.

  • Multi-channel loan application

    Collect loan applications from multiple channels, including web, mobile, call centres and more.

  • Feature rich borrower’s personal account

    Borrowers can view active and past loans, payment schedule, see and download files, make payments, extend or roll over their loans, earn and spend bonuses.

  • Lending marketplace features

    The borrower-lender matching engine delivers advanced capabilities for automatic loan matchmaking.

  • Advanced role and user model

    Create your organisational structure (HQ, offices, etc.). Add and manage roles, define role permissions, assign roles to system users and audit user activity in the system.

  • Responsive website design and layout

    Rest assured that your website looks its best on any device and screen size.

  • Security and data protection

    A rich set of anti-fraud and security features minimizes internal and external fraud attempts. Set IP-specific and device-specific access for each user or employee.

  • Data validation

    Check and validate all the data entered by a customer on the fly (address, contact details, passport expiration dates, etc.).

  • Social networks

    Gather and aggregate your customers’ data from their social network profiles (Facebook, LinkedIn, Twitter).

  • IP telephony integration

    Construct customer profiles, make and record phone calls.

  • Blacklist/Internal credit scoring

    Automatically block and blacklist applications or borrowers based on a set of criteria.

  • Multi-language & multi-currency support

    HES framework supports multiple languages and currencies. Go global and work worldwide.

  • Integrations with 3rd party services and apps

    HES products can be integrated with accounting systems, BI solutions, credit card processing and payment services, scoring solutions and many others.

Customisation & Development

Our key advantage is having an evolving specialized web application framework in place to create custom loan processing solutions. HES platform delivers the benefits of third-party proprietary products, open source tools and loan system development outsourcing in one Java solution that is easy to deploy and manage. It can accommodate the budget and growth plans of small fintech startups and big banks alike.

HES team knows how to get a customer to the market with a minimum viable product (MVP) in a maximum of 10 weeks, offering sustained process improvement and operating cost reduction from day one.

You can select and customise any number of modules and features that are best-suited for your specific business use.

Integration Partners

About HES

Since 2010, we at HiEnd Systems (HES) have been providing fintech software development services customised for specific business requirements. Now, we have established ourselves as a trusted partner for credit institutions, investment and stock trading businesses, MFIs and alternative lenders. We work with the leaders and rising stars of the online and offline lending industry in more than 10 countries around the globe. We build our processes with strong emphasis on transparency, professional project management and clear communication. HES is able to work fast and keep competitive prices. We invest in research and engineering, customer support and excellent user experience. Our growing team creates scalable and secure products that empower our customers to grow.

Here are some of our recent implementations

  • Finca (Russian Federation)

    FINCA — microfinance and SME loans provider
  • Moneyman (Spain, Poland, Georgia)

    MoneyMan is a leading online lender in Europe and Asia
  • Idea Finance (Poland, Belarus)

    Idea Finance — POS financing solution and equipment leasing provider
  • Kredit24 (Kazakhstan)

    Kredit24 — online payday loans in Asia
  • SimpleFinance (Azerbaijan, Russian Federation)

    SimpleFinance — B2B financing platform
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