Commercial business
lending software

Automated end-to-end loan management software for commercial and SME lending. 100% tailor-made to suit your business requirements.

An efficient solution for compliant and customer-focused SME lending

HES develops commercial lending software to manage complex operations and ensure automation of commercial loan origination and servicing, underwriting and KYC, back-office operations, statistics, reporting and loan portfolio management.

Regardless of the size of your financial institution, HES lending software can easily streamline small business loans and complex commercial operations like accounting, loan monitoring and origination. Globally and digitally ready from day 1, HES commercial lending systems allow lenders to save operating expenses for SME loans and increase operational efficiency.

Roman Bozhyev
CEO Factory SME

In 2017 we were the first to implement an online lending marketplace for SMEs in Russia. When we were looking for a technical vendor we were lucky enough to come across HES. Having developed similar credit aggregators in South-Eastern Asia, it was clear that they had the expertise we were looking for.

HES system works for

markerWorking capital financing
markerInvoice factoring
markerSupply chain financing
markerCommercial real estate financing
markerLines of credit
markerEquipment leasing

The HES Core behind business lending software

The CRM module

Product engine

Calculation engine

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Business lending software details

Scalable modular architecture

markerTemplate-based document management to generate business-ready agreements, offers, etc.
markerUnderwriting and KYC to evaluate the financial standing of potential borrowers
markerFully automated payment workflows, and straight-through payment processing
markerIntuitive graphical interface for reporting, statistics and data
markerReal-time tracking and assessment of collateral levels
markerAutomated mortgage loan processing

Powerful backend tools

markerTop-notch tech stack under the hood (Java, PostgreSQL, etc.)
markerIntegration with enterprise services (credit card processing and payment services, scoring solutions, accounting systems, etc.)

Security and compliance

markerAI-powered credit scoring tools
markerSecurity measures throughout the SDLC
markerCompliance with GDPR, domestic and international legal regulations
markerData privacy protection
Cross-device functionality. Online/offline access

HES’ Competitive Advantages

How to start
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