ID Finance
30%
year-over-year business growth
Your core loan
management solution
Loan management software you can rely on for everything that matters: modern technology, precision,
speed, full regulatory compliance, and a professional team behind you.
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Product #1
End-to-end lending software
Streamline your entire lending cycle from application to repayment with a secure and compliant loan management solution.
Product #2
AI credit decisioning tool
Make accurate lending decisions in seconds. Increase approval rates while reducing default risk through advanced AI models.
Product #3
Smart debt collection platform
Recover more while preserving customer relationships. Boost collection rates with AI-driven personalized strategies.
What kind of
loan management solution
do you need?
Grow your business,
not costs
45%
lower operating costs
Help your team process more loans by automating loan origination, servicing, and decisioning
processes. Reduce handoffs and rework without adding headcount.
3.5x
more accurate loan decisions
Enhance portfolio assessment with AI. Predict repayment probability in seconds, make better
lending decisions, and reduce NPLs.
25%
higher portfolio profitability
Use AI-driven decisioning and real-time monitoring to engage high-potential loan borrowers
and improve portfolio ROI.
2.5x
faster loan processing
Automate data entry and approvals to remove bottlenecks from the workflow and cut review
cycles from days to minutes.
One loan management software
for the entire lending cycle
Digital onboarding
Loan origination
Loan servicing
Debt collection
Digital onboarding
Provide borrowers with a smooth first experience to earn loyalty for years. A
white-label portal allows applying, uploading documents, clearing KYC and KYB
checks, and seeing each approval stage update live. Application forms flex by
product line and region and store data for returning borrowers, reducing
drop-offs.
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Loan origination
A white-label portal carries borrowers from credit application to approval:
uploading documents, clearing KYC and KYB checks, and following each stage as it
updates. Build forms per product line and region, and store data so returning
borrowers do not re-enter it. Manual touchpoints drop, and fewer applications
stall before funding.
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Loan servicing
When terms change, restructure and recalculate the amortization schedule
yourself, without waiting on a vendor release. Run disbursement, interest
accruals, partial payments, and write-offs across as many loan products as you
launch. Post payments on the rails your markets use, from ACH and SEPA to cards
and mobile wallets.
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Debt collection
Live risk scores flag missed payments and rank overdue accounts by likelihood of
recovery, so a loan reaches your team while it is still recoverable. Set the
rules for who is contacted, when, and through which channel. Route
straightforward cases through automated outreach and complex files to your own
agents or a partner agency.
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Leverage the power of AI,
on every step
We built AI into every HES solution, combining years of industry expertise with proven best
practices and advanced technologies.
Get more than just flexibility
Customization is our strong suit. Every HES product: LoanBox, GiniMachine, and CollectionAgent can
be adapted to the most unique business models, delivering tailored solutions that fit your exact
requirements, rather than forcing you to fit ours.
Scale with no limits
HES solutions grow with your business. As you expand your product line, enter new markets, or evolve your business model, the system adapts to meet your changing requirements.
Be free from vendor lock-in
For businesses where data sovereignty and enhanced security is critical, we offer code license options that give you freedom to operate on your terms. This is also a safe option.
Go beyond SaaS limitations
Our team tailors the platform to your unique business model, systems, and compliance requirements. Choose your deployment (cloud, on-premise, or hybrid) and receive a solution.
Gain control over costs
Pay only for the functionality you need: integrate a full end-to-end lending platform, upgrade it with additional engines, or apply only the microservices you require based on your workflow, regulatory.
Enterprise-grade lending software
Dedicated
Get a committed, seasoned team that understands both the industry and your business needs. From implementation to ongoing support, you have experts invested in your success.
Secure
Our systems can be adapted to local regulations, niche products, or unconventional processes, maintaining bank-level security with ISO 27001, and adhering to GDPR, CPRA, and simular global compliance frameworks in mind.
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Automated
Modernize legacy processes with intelligent automation: reduce operational costs, prevent data loss, and improve the reliability of legacy system workflows.
Ready for growth
Support larger customer flows, compete in fast-moving markets, and meet the expectations of digitally native borrowers, while lending markets become more dynamic and technology-driven.
5 min
from apply to approved
Flexible technology ecosystem
HES offers a robust, enterprise-grade technology stack backed by numerous technology partnerships and an open architecture. As the ecosystem evolves, we incorporate new technologies without disrupting existing systems.
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Stay resilient and adaptable
with future-proof lending software
Built-in compliance and security
Stay aligned with evolving regulations without losing efficiency. Embedded KYC, AML monitoring, and audit logs ensure compliance, while ISO-aligned practices, encryption, and strict access controls protect sensitive financial data.
AI-assisted decisioning
Leverage AI for improving the overall health of the lending portfolio. Identify suspicious patterns, detect anomalies, prioritize risk, support faster decision-making, enable smarter approvals, and get higher recovery rates.
Scalable and resilient infrastructure
HES solutions scale with your business, ensuring stable performance and uninterrupted service even during peak workloads or sudden operational pressure.
Workflow automation
During volatile periods, end-to-end automation reduces manual bottlenecks, supports continuity, and helps teams handle higher pressure without losing efficiency.
Strong integration capabilities
Adapt quickly and avoid operational silos with robust partner integrations with credit bureaus, open banking providers, core systems, payment gateways, CRMs, identity tools, and external data sources.
Analytics for risk management
Make better decisions with HES solutions that provide instant visibility into portfolio health, approval trends, delinquencies, restructuring volume, and borrower behavior.
Your reliable partners
Since 2012, HES FinTech has specialized in lending automation that saves financial institutions millions. Operating from Lithuania and the USA, we deliver solutions that seamlessly blend regulatory compliance with the latest AI technology.
Learn more160+
completed projects
5k+
credit products launched
Trusted loan
automation software
Proven lending
automation solution
Designed to handle high volumes, complex
rules, and strict compliance.
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rules, and strict compliance.
