Commercial Loan Software by HES

Legacy systems require SME lenders to use a number of solutions for different parts of a loan management process. With the HES platform, banks & fintechs no longer have to rely on siloed systems that increase prolonged turnaround time and drive operating costs.

Small business loans software by HES brings automated end-to-end workflow that ensures mission critical operations run smoothly. With the HES Lending Solution, financial institutions gain a cost-effective and scalable platform that can meet any further business requirements.

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 tech 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.

SME Lending Software сovers

Supply chain financing

Merchant Cash Advance

Working capital financing

Real estate financing

Leasing

Lines of credit

The Backbone of SME Lending Solution

HES Core™ with 20+ scalable modules for full-cycle loan management, from loan origination to final repayment

The CRM Module

Product Engine

Calculation Engine

Explore HES Core

Small Business Lending Solutions in Detail

Scalable Modular Architecture

Template-based document management to generate business-ready agreements, offers, etc.

Underwriting and KYC to evaluate the financial standing of potential borrowers

Fully automated payment workflows, and straight-through payment processing

Intuitive graphical interface for reporting, statistics and data

Real-time tracking and assessment of collateral levels

Automated mortgage loan processing

Powerful 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.)

Scalable cloud architecture, based on Amazon Web Services

Security and Compliance

AI-powered credit scoring tools

Security measures throughout the SDLC

Compliance with GDPR, domestic and international legal regulations

Data 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.

How to start

Fill in the form to schedule a 15-minute live demonstration. One of our experts will contact you shortly and demonstrate the capabilities of HES Lending Software.

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