Working capital loan software

Automated financial analysis and limit decisioning deliver faster responses that match the urgency of your clients' cash flow cycles.

90%

quicker credit decisions

Replace manual credit reviews and limit management with automated workflows that handle higher volumes at a fraction of the cost per facility.

60%

cost reduction

Monitor facility utilisation and repayment patterns continuously, surfacing liquidity stress signals before risk concentrations build.

40%

fewer delinquent accounts

Onboarding

Keep your business thriving and secure

Cross-channel KYB & AML verification. Reduce fraud risks and protect your business from financial crime with off-the-shelf corporate working capital finance solution. HES software can smoothly integrate with KYB/AML systems, PEP lists, blacklists, and debarred company lists to ensure rock-solid security.

E-sign your documents online

Simplify your document management process with an easy-to-use e-signature feature for both your team and the borrower. HES working capital finance software eliminates paperwork and allows easy sharing and storing of sensitive data in a fully digital and secure environment.

Back Office

Create credit lines in just a few clicks

Leverage the power to create flexible credit lines that work for you and your clients. Harness the power of working capital loan software to save time when setting up credit limits, interest rates, and payment terms. Corporate working capital finance software comes with automated borrower inquiry scoring, invoice estimation & debtor underwriting.

Flexible digital transactions

Automate your credit disbursement process with ease and precision. Seamlessly manage direct debits and other financial operations and set up disbursement rules based on payment data, ensuring a seamless and error-free process.

Powerful product engine

Our product engine is the ultimate tool for creating custom credit products. With multiple calculation options available, you can design a flexible loan product that fits your business and clients like a glove.

For any financial institution

Deferred payment

Asset-based

Invoice

Flexible deferred payment options

HES end-to-end SME working capital finance software offers a range of customizable payment terms, allowing you to extend payment periods up to 180 days. The platform lets you quickly and easily customize the ideal deferred payment plan for your customer business needs, thus providing more control and flexibility.

95%

faster credit decisions

Get your lending
product estimate
in 3 minutes

STEP: /

Lending origination

Implement a smart scoring system

Scoring

Scoring model

AI/ML-fueled credit scoring

Easy-to-use GiniMachine can be integrated into the HES LoanBox solution to revolutionize credit scoring with its smart and secure AI-based system. Get accurate predictive models and transparent decision-making with no coding knowledge needed. Automate model building and validation, set optimal thresholds, and score new applications with ease.

Robust task management

Stay on top of your team's progress with the HES task management tool. An intuitive dashboard interface provides easy access to task lists assigned to each team member based on their respective roles. Ensure your team stays on track and your tasks are completed on time.

Custom reports and dashboards

Access all your crucial business data in one place with customized dashboards and reports. Gain a comprehensive understanding of your metrics with clear and concise visualizations that are easy to read, import, and export.

and much more

Smooth application management

You own the data

Unlimited users, loan products, and transactions

Instant credit decisions

Rock-solid security

Get a free demo

Powerful APIs for working
capital loan software

Technology architecture overview

Leading-edge tools

HES software is available both in-cloud and on-premises and is ISO/IEC 27001 certified. We use the latest Java LTS and Spring Framework for development and PostgreSQL for data storage. With Terraform, we make it easy to manage infrastructure as code.

Cloud provider

Working capital software technology stack

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.