ID Finance
30%
year-over-year business growth
Lending software
for the full loan lifecycle
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 lending software
do you need?
Grow your lending business, not costs
45%
lower operating costs
Help your lending 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.
HES LoanBox
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
thanks to:
White-label lending portal within LoanBox loan management software
Easy application process and forms that flex by product line and region
Clear KYC and KYB checks at the approval stage
Data stored for returning borrowers
Loan origination
Set up underwriting logic your credit team can change without a developer.
Set cut-off thresholds, scorecards, and underwriting rules yourself
Feed in credit bureau and alternative data, or integrate GiniMachine scoring
Credit teams tune the logic in the no-code builder, no developer needed
Loan servicing
Manage live loans on terms your team can change at any point:
Recalculate amortization schedules yourself when terms change
Run disbursement, accruals, partial payments, and write-offs on every
product
Post payments on ACH, SEPA, cards, and mobile wallets
Debt collection
Reach overdue borrowers while the loan is still recoverable.
Score overdue accounts live and rank them by likelihood of recovery
Route simple cases to automated outreach and complex files to your agents or
a partner agency
Set who is contacted, when, and through which channel
Leverage the power of AI, on every step
We built AI into every HES lending 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 SOC 2-aligned controls and GDPR, CPRA, and simular global compliance regulations 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.
Book a demo
rules, and strict compliance.
What’s new?
FAQ
What is the difference between lending software and a loan management system?
Lending software is the umbrella term for any software a lender uses to issue and run loans,
from a single scoring or application tool to a full platform.
Loan management system is used in two senses. In the narrow one, it means the servicing system that takes a loan after funding: repayment schedules, interest and fees, incoming payments, borrower accounts. In the broad one, used in our loan management system guide, it covers the whole loan lifecycle from application to closing.
HES LoanBox works in the broad sense: the same system issues a loan and keeps servicing it until it is closed.
How are HES services different from SaaS and outsourcing?
Unlike typical SaaS products, HES lending software is deployed where your compliance rules
require, adapted to your business model, and its source code can be licensed to your own
engineers as an option. There is no pay-as-you-grow pricing: after a one-time implementation
fee, you pay an annual platform license that stays the same as users, borrowers and loan
volumes grow.
Contrary to outsourced development services, HES FinTech ensures cost predictability through an optional fixed price model. The customer pays for the estimate period, with an accuracy of up to 95%, and further deployment without extra costs.
Which types of individual lending products can be managed on your platform?
HES LoanBox runs the main types of lending to individuals:
consumer and personal loans,
auto finance,
buy now, pay later,
point-of-sale financing,
payday loans,
microfinance,
student loans,
healthcare and patient financing,
mortgages, and
peer-to-peer lending.
Each product type has its own page that describes the workflows HES LoanBox provides for it.
What kinds of business financing can you support?
We support multiple types of
commercial lending, including
SME loans,
bank lending,
merchant cash advance,
working capital finance,
invoice factoring,
leasing,
trade finance,
green finance, and
Islamic finance.
The HES LoanBox platform can also be configured for other business models with varying terms,
repayment schedules, and risk profiles.
Can HES lending software integrate with core banking and payment systems?
Yes. HES LoanBox connects to core banking over API, and over 100 third-party services are
already connected to it. A few examples by category:
- payments: Stripe, VoPay
- identity and KYC: Ondato, Jumio
- open banking and financial data: Flinks, illion
- credit bureaus: more than 30 across several regions, including local ones such as SIMAH in Saudi Arabia
- e-signature and messaging: PandaDoc, Twilio, SendGrid
- credit scoring: GiniMachine
Services that are not in the library yet are added through the open API. The full list is on the integrations page.
How long does it take to launch HES LoanBox?
For HES LoanBox, three scenarios cover most projects:
- One loan product with standard integrations: first loans from 3 months after kickoff.
- Several products or countries, or a loan book migrated from a legacy system: up to 6 months.
- Projects that need substantial custom development: typically longer than 6 months.
The project plan with dates is agreed before development starts.
