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 financing

Invoice factoring

Supply chain financing

Commercial real estate financing

Lines of credit

Equipment leasing

The HES Core behind business lending software

The CRM module

Product engine

Calculation engine

Explore HES Core

Business 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 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.)

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

We appreciate your interest in HES software. Fill in the form to schedule your personal demo.

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