HES Consumer Lending
Consumer Lending Software
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
Working capital financingInvoice factoringSupply chain financingCommercial real estate financingLines of creditEquipment leasingBusiness lending software details
Scalable modular architecture
Template-based document management to generate business-ready agreements, offers, etc.Underwriting and KYC to evaluate the financial standing of potential borrowersFully automated payment workflows, and straight-through payment processingIntuitive graphical interface for reporting, statistics and dataReal-time tracking and assessment of collateral levelsAutomated mortgage loan processingPowerful backend tools
Top-notch tech stack under the hood (Java, PostgreSQL, etc.)Integration with enterprise services (credit card processing and payment services, scoring solutions, accounting systems, etc.)Security and compliance
AI-powered credit scoring toolsSecurity measures throughout the SDLCCompliance with GDPR, domestic and international legal regulationsData privacy protection
Cross-device functionality. Online/offline access
HES’ Competitive Advantages
Maturity and Flexibility
HES empowers financial institutions with the agility of customisation and maturity of the HES Core Engine. This ensures you can launch your project in 2 to 5 months.
No Proprietary Technology
HES software is based on open source and free technologies. There are no license fees for any proprietary technology (except for the source code of the platform). We won’t’ charge you per user and thus you won’t be penalized for your growth.
Available Code Base
You can purchase the source code and truly own the software, without vendor lock-in. As a web-based solution, your site can be hosted on-premises or in the cloud, and accessed from almost anywhere using any web-enabled device. Without any vendor lock-in.
Strong Engineering Team
We’re a dedicated team of professionals who have been involved in fintech software development since 2012. We ensure strict compliance with domestic and international legal regulations, as well as international coding and cybersecurity standards.