How can I integrate HES’ factoring software with my existing system?

HES LoanBox is a highly customizable modular platform that can seamlessly integrate with your current CRM or legacy lending system. Our team of technical experts ensures a smooth transition of databases and effortless integration, taking care of the entire process for you.

How does your software handle invoice verification and payment processing?

With the implementation of advanced KYB (Know Your Business) technology and optimized document workflow, all incoming invoices undergo thorough checks upon submission. Furthermore, our factoring system offers a wide selection of over 100 APIs for seamless integration, empowering you to handle payment processing from start to finish.

How secure is HES FinTech’s factoring software?

Security is the cornerstone of our factoring software’s design philosophy. We take pride in holding an ISO 27001 certification, which serves as a testament to our commitment to adhering to rigorous global security standards. To protect your business from potential breaches and mitigate the risk of money laundering, we leverage cutting-edge technologies, implement robust Know Your Customer procedures, and employ secure cloud data storage. By integrating these advanced measures, our software offers you the assurance you need to confidently uphold your company’s compliance and safeguard its reputation.

What level of customer support can I expect?

We place utmost importance on ensuring our clients’ satisfaction by providing lifetime customer support. HES FinTech fully dedicated to offering continuous assistance and promptly addressing any inquiries or concerns related to our products. Our commitment is unwavering as we strive to help our clients unlock the full potential of our software and achieve their business objectives with success.

Factoring platform
for immediate financing

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Assess invoice quality, debtor creditworthiness, and concentration risk rapidly — so funding decisions keep pace with your clients' receivables cycles.

90%

quicker credit decisions

Prioritise debtor accounts by repayment likelihood and recover outstanding invoice balances more consistently across your factoring book.

25%

improved recoveries

Onboard more clients, process higher invoice volumes, and manage larger debtor pools without adding back-office complexity.

10x

capacity

End-to-end software for the
full factoring lifecycle

Client onboarding

Onboard factoring clients and their debtor pools efficiently through automated KYB verification, credit limit assessment, and ledger integration.
Capture invoice data, debtor information, and facility terms digitally — reducing onboarding time and setting up clean, auditable client records from the start.

Facility origination

Assess client and debtor creditworthiness with configurable underwriting rules, AI-driven scoring, and real-time bureau and financial data.
Structure recourse and non-recourse facilities with custom concentration limits, advance rates, and debtor eligibility criteria that reflect your risk appetite precisely.

Invoice servicing

Manage the complete invoice lifecycle — funding, collections tracking, debtor payments, and client reconciliation — from one centralised platform.
Automate ledger updates, generate client statements, and maintain real-time visibility across funded invoices, outstanding balances, and facility utilisation.

Debtor collection

Prioritise debtor follow-up by invoice age, value, and payment history. Deploy automated payment reminders, structured escalation workflows, and dispute management tools that accelerate cash collection and reduce days sales outstanding across your entire factoring book.

Customizable factoring solution
that benefits all parties

Supplier

Empower your suppliers with instant invoice submission, real-time funding visibility, and automated commission calculations accessible 24/7 - reducing your operational costs while delivering the digital experience they expect.

Factor

Make faster, smarter factoring decisions with AI-powered scoring models built from your historical data. Automate the complete factoring lifecycle from onboarding to payout in one integrated platform.

Debtor

The system provides debtors with convenient tools to verify invoices and track their payment obligations in real-time, reducing back-and-forth communications and accelerating the payment cycle.

Supplier onboarding

Digital factoring platform

KYB verification | Document upload | Invoice submission | Status tracking | Commission tracking | Payment history | Multi-device access | White-label Powerful, scalable supplier portal with full white-label customization. Streamline onboarding with flexible omnichannel KYB verification, enable real-time receivables tracking and mobile invoice submission, automate status updates and calculations. Customizable at every level - branding, workflows, integrations - to fit your unique factoring operations.

Enterprise security & regulatory compliance

Digitize your entire factoring workflow with secure e-signatures and encrypted processes. HES LoanBox factoring finance software ensures bank-grade security and automated compliance with GDPR, FCA, AML/KYC across all operations - from onboarding to disbursement.

ISO 27001 certified | Bank-grade encryption | Role-based access | Audit trails | E-signatures | GDPR & FCA compliant | Multi-factor auth | Automated backups | Disaster recovery

Inquiry processing

Invoice factoring origination system

Custom scorecards | AI models | Automation | Instant decisions | Risk analytics | Fraud detection | 10X processing capacity Scale your factoring business without scaling your underwriting team. Factoring finance software that adapts to your strategy: build rule-based scorecards with your own criteria, leverage AI models trained on your portfolio data, or blend both approaches.
Automatically evaluate suppliers, verify debtors, and validate invoices in minutes. Automated scoring delivers consistent decisions, reduces approval time by 90%, and identifies profitable deals - processing 10X more applications with existing resources.

Customizable workflows

Get your lending
product estimate
in 3 minutes

STEP: /

Back Office

Business factoring system
for all-round control

Automation of all the processes and calculations Track disbursements and payments in real time. Evaluate the quality of your credit portfolio effortlessly. Enjoy hands-off management of your factoring deals. HES factoring software systems can be designed to automatically calculate late fees and manage allocated and outstanding assets.

Task management

Intuitive dashboard interface with lists of tasks assigned to users according to their roles simplifies the workflow management and efficiency tracking.

AI/ML scoring software for factoring

Use the GiniMachine AI module to assess discipline and credit limits. Estimate payout terms and recovery changes at ease with the smart factoring solution.

and much more

Application management

Factoring deal management

Document templates

Automation of disbursements and payments

Transactions and reporting

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Flexible integrations for advanced factoring

Technology architecture overview

Powerful tools

HES FinTech uses an updated tech stack, including Java 17, Spring Core, PostgreSQL. The factoring software architecture is based on FOSS technologies. No additional licensing fees - you pay for the platform’s source code only.

Cloud provider

Success stories

HES FinTech has been our reliable technology partner since 2012. I believe much of our success is due to the well-architected HES LoanBox solution.

Boris Batine

Co-Founder, ID Finance

Read story

HES FinTech offers comprehensive front-to-back solutions with integrations. Our machine learning platform will allow clients best-in-class investment advice.