g2-stars

Lending software development
from lending experts

Platform-based or from scratch, both paths carry the same lending expertise. 14 years, 32 countries, 160+ deployments. You own the code.

Lending domains
we know inside out

Consumer lending

Auto finance

BNPL

Microfinance

Student loans

Islamic finance

Commercial lending

SME lending

Bank lending

Factoring

MCA lending

Leasing

14 years of lending expertise,
in numbers

3–6 mo

from kickoff to first live loan

Most lending software development projects ship in 3 to 6 months when built on our platform. Custom and modernization tracks take longer, the right answer depends on scope and integrations.

160+

lending projects shipped

Banks, alternative lenders, fintechs, microfinance institutions, and BNPL providers run on platforms we built. 14 years focused on lending alone, applied across very different business models and deal types.

32

countries with live deployments

Lending rules, payment rails, and regulatory expectations shift country to country. We have shipped through 32 of them, so the regional quirks of your launch markets land on a team that has already seen them.

5k+

credit products in production

Personal loans, BNPL, auto finance, leasing, SME revolvers, Islamic finance instruments, microcredits. Each one shaped by configurable products, custom workflows, and the borrower journey the lender behind it actually wanted.

Three lending software development
tracks we run

Most teams pick one of three paths to a working lending platform. The right one depends on what you already have, how unique your product is, and how soon you need to be live.

Platform

Custom

Modernize

Build on our platform

Start from HES LoanBox, our modular lending platform with 20+ ready components, and tailor everything around your product. Configurable workflows, custom forms, your own branding, your integrations. This is the fastest way to a live lending product.

3–6 mo

typical time to first live loan

What we build

End-to-end lending systems,
module by module

Lending software development with HES covers the full stack or any single module. Onboarding alone, a new origination layer over a legacy core, or all five modules working together.

Digital onboarding flow in lending software development

Custom loan origination workflow

Loan servicing module in lending software development

Debt collection module built by HES FinTech

White-label borrower portal interface

How a lending project
actually moves with us

Discovery

Every lending software development project starts with a two-week discovery. Our business analysts and lending architects map your product, regulatory context, integrations, and target operating model. Output is a working specification you could hand to anyone, including a different vendor.

Architecture and estimate

We propose the right delivery track (platform, custom, or modernization), the modules involved, the integration map, and a fixed-price estimate accurate to 95%. You see the cost picture before signing the build contract, not after.

Build and integrate

Engineering, QA, integrations, security review, UAT. You get a working environment from week one and progress in two-week increments. The product team you meet on day one is the team that ships your platform.

Handover and evolve

At go-live you choose: keep us as your long-term partner, or take the source code and run it in-house. No vendor lock-in, no buy-back clauses, no licensing tail. Most lenders stay with us because they want to, not because the contract traps them.

100%

code ownership on handover

Get your lending
product estimate
in 3 minutes

STEP: /

Built for teams that need
more than a SaaS

SaaS solves the easy 80% and ties your hands on the rest. Custom code from scratch solves everything but costs you 18 months. HES sits in between by design.

Own your code

Take the developer license at any point and you get the full source code. Your engineers can read it, change it, deploy it, fork it, host it on your infra. This is the most important difference between HES LoanBox and SaaS-only loan software development.

Skip the lock-in

No per-user fees, no transaction taxes, no buy-back clauses if you leave. Pricing is a setup fee plus a recurring license, not a percentage of your business. If you outgrow us, you walk away with the platform, not with a notice period.

Deploy where you need to

Cloud (AWS, Google Cloud, Azure), on-premises in your own data centre, or a hybrid where sensitive data stays in-country and the rest runs in cloud. Deployment is a decision driven by your compliance team, not by our pricing page.

Scale without the price tag

Unlimited users, unlimited borrowers, unlimited loan products. Add a new credit product or open a new market without renegotiating the contract. Operational cost grows with engineering time, not with seat licenses or per-loan fees.

AI is something we put
in your platform, not on top of it

Scoring you can defend

Every decision the AI engine makes is explainable down to the feature level. Underwriters see why a score moved, compliance teams see the model logic, regulators see the audit trail. No black-box scoring sitting in a Python notebook.

A real ML engine, not a wrapper

GiniMachine is our in-house AI scoring engine, built over 10 years for lending data. It trains on your funded portfolio, not a generic dataset, and retrains as your book changes.

Risk signals across the lifecycle

The same scoring stack runs through origination, servicing, and collections. A borrower flagged at application stays flagged through repayment, so deterioration shows up before it becomes a write-off.

AI scoring and risk intelligence inside the lending platform

What you actually get
under the hood

Security baked in, not glued on

ISO 27001-certified ISMS, SOC2 controls, SDLC reviews. Encryption at rest and in transit, role-based access, 2FA, audit logs on every action. Security is part of the architecture, not an afterthought on the roadmap.

AI as a service of the platform

GiniMachine and any custom scorecard you bring run as services other modules call. Origination, servicing, and collection consume the same scoring endpoint, with the same model version and the same logs.

Architecture that scales sideways

Microservice-style modules, message queues, horizontal scaling on Kubernetes. Add a new product line or a new market without touching the modules that already work. Peaks no longer mean weekend pages.

Workflows as code, not as tickets

Camunda BPMN diagrams, Form.io forms, no-code workflow builder. Business and credit teams change rules, approval chains, and screens on their own, no engineering deploy needed for routine changes.

100+ integrations and an open API

KYC, KYB, credit bureaus, open banking, payment providers, e-sign, accounting and ERP, BI tools, core banking. Pre-built where it makes sense, open API where it does not.

Reporting that the CFO actually opens

Portfolio health, approval funnels, delinquencies, restructurings, cohort behaviour, agent productivity. Ship to Tableau, Power BI, Looker, or the analytics layer you already pay for, no separate data warehouse needed.

The partner side of the equation

HES FinTech team behind lending software development projects

A loan software development project is a 12 to 24 month relationship at minimum. HES FinTech has shipped lending products in 32 countries since 2012, from offices in Lithuania and the USA, and stays after launch.

160+

completed projects

5k+

credit products launched

Security

Deployment

Tech stack

Security that survives
audit cycles

ISO 27001-certified ISMS, SOC2 controls, SDLC reviews on every release. Data is encrypted at rest and in transit. Role-based access, 2FA, and full audit logs are wired into every action a user takes inside the platform.

Cloud, on-premises,
or hybrid

Deploy on AWS, Google Cloud, or Azure. Run on-premises inside your own data centre if data residency rules require it. Or split the platform across both, with sensitive data in-country and the rest in cloud. Your call, not our pricing page.

Cloud provider

The boring stack
that ships

Java LTS, Spring, PostgreSQL, Camunda BPMN, Form.io modeler, Kubernetes orchestration. All open-source, no per-component license fees. The technology stack is the same one we run in production across 32 countries, including for regulated banks.

Java LTS stack

Technology architecture behind the HES lending platform

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

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

Edward Downpatrick

Strategy Director, Fintuity

In just 6 months, we went from storing all our data in Excel to a fast, reliable, and user-friendly platform that caters to our specific needs.

Hjortur H. Jonsson

Partner, ALM Securities

HES FinTech developed our lending software and predictive analytics. Their expertise delivered automation, clear UI/UX and customer portal.

Mazen Alasnag

Head of Loan Management, Wa'ed

The LMS provided flexible repayment options, automated restructuring and branch-level management, enhancing efficiency and risk mitigation.

Urnukhjargal Badam

Branch Manager, Tavan Bogd

The 2026 reality of
lending software development

70%

of bank IT budgets locked in legacy

McKinsey research shows 70% of bank IT budgets go to maintaining legacy systems instead of building new lending products. Modernization is now a survival question, not a roadmap line item.

16%

of transformations deliver sustained gains

McKinsey's 2025 banking research finds only 16% of bank transformations actually improve performance and sustain it long-term. The rest stall on legacy stacks, scope creep, or vendor mismatch.

60%

bankers expect AI to reshape lending

Nearly 60% of bankers expect AI to have a moderate-to-strong impact on underwriting and lending (Cornerstone Advisors, 2026). Actual adoption is still rare, and that gap is where competitive advantage is hiding.

40%

of bank tech estate is tech debt

A McKinsey study finds tech debt accounts for around 40% of the technology estate at large companies. Every quarter you delay modernization, the next project gets harder, not easier.

Start lending
in 3 to 6 months

While you focus on the product, HES FinTech handles the build.

Talk to an architect

Launch your lending software in 3 to 6 months