Lending Software for Banks & Alternative Lenders
HES Fintech helps banks and alternative lenders make the shift to digital lending automation. On the basis of the HES Core™, we deliver tailor-made lending platforms to financial institutions of all sizes. HES Fintech's software is currently used by over 115 clients in 25+ countries from North America to the APAC region.
HES Fintech offers a comprehensive portfolio of loan software for:
- consumer and commercial lending
- POS and P2P marketplaces
- microfinance and PDL
- traditional & digital-only banks
The HES team leverages the full potential of the latest technologies, including AI and machine learning, with over 10 years of hands-on engineering practice. Transform your legacy lending software or start a new line of business – in months, not years.

headquarters
other locations
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Nezavisimosti 177 1B-8Minsk 220125Belarus
Recommended Providers
Focus
Portfolio
Sberbank, MoneyMan, IDFinance, ATM Online, Fintuity, United Credit Bureau, Alfa Bank, Idea Bank, Zayed Fund, Lotus Loan and other financial institutions.

A consumer lending platform for the fastest growing company in Europe
MoneyMan, an innovative online lender, required a fully-fledged flexible solution to automate the entire microfinance lending process and operating procedures. The system had to be capable of running high-performance scoring models in real-time 24/7.
After a thorough business and requirement analysis, HES created an end-to-end loan management platform with an open upgrade safe architecture and gamification features.
Today, the HES microfinance solution enables MoneyMan to scale up and offer loans to an ever-increasing customer database. The service is now also available in Spain, Georgia, Kazakhstan, Poland, and Mexica and has issued over 400K loans valued at over $80 mn.

An online lending platform that offers instant loans in Vietnam
The client needed a flexible lending solution to take their business online. Following a requirement analysis, the team of HES FinTech created a full-circle loan platform that fully automates the microfinance lending process and provides integrations with third-party payment systems.
The outcome of the project is a robust loan management platform that allows borrowers to register and apply for a loan via mobile phone, access their application/loan data, and receive money on a bank account within 5 minutes. The solution processes borrowers’ loan applications from the initial step until the full reimbursement.
The solution by HES FinTech helped the client to scale up and offer loans to an increasing customer database. Now, ATM Online is one of the leading consumer lending companies in Vietnam, known for its low interest rates and fast application processing time.

POS Lending Platform to automate loan application collection and processing
Idea Bank collaborates with more than 2.5 thousand retail chains and online stores all across Belarus to offer consumer lending services. It required a comprehensive system to automate loan application collection and processing for POS consumer financing deals.
In less than 3 months, the HES project team gathered requirements, analyzed and documented business processes and performed customization and implementation of the solution. The system was subsequently introduced to all Idea Bank’s partner retail sites.
The solution created by HES achieved all initial project objectives allowing the bank to reduce the application processing time by 5 times.

A machine learning-based financial advisory platform for a UK-based company
Fintuity was looking for an experienced long-term technological partner to create a flexible hybrid advisory platform that leverages machine learning and human expertise. HES engineers were tasked with implementing an end-to-end system: from web design and a client portal to the core logic and back-office architecture.
The delivered solution is a single machine learning-based platform that analyzes data in real-time and automatically creates investment plans. The platform is built on the basis of the HES Core Lending Engine.
The project outcome is a comprehensive and personalized advisory platform that reviews clients’ financial arrangements. Based on machine learning algorithms, the solution allows each client to assume an appropriate level of risk and ensures that they do not pay excessive fees.

Automating Car Financing for Ta Meri and Luxury Cars
Ta Meri Finance approached the team of HES FinTech with a unique business idea of providing financing for purchasing luxury cars — the first of its kind in Cyprus. To launch the platform, the client needed a robust lending solution with rich functionality. The defining strategic objective of the project was the maximum automation of the lending process.
Within two months, the specialists of HES FinTech implemented the LLC platform with the core logic and streamlined business processes. The platform based on the HES Core™ provides the functionality of borrowers' acquisition, decision making, product engine with multiple features such as the calculation of monthly installments, insurance, document management, CRM, reporting, and more.
The outcome of the project is a comprehensive and personalized car leasing platform that offers full specter of support at all stages of purchasing and financing a car. The successful launch of the LLC platform allowed Ta Meri Finance to take a solid position on the market in the short term. Now the client plans to enter car leasing markets outside of Cyprus.

A platform for checking credit history
Under current legislation in Russia, both entrepreneurs and legal entities willing to obtain credit history, need to personally contact a credit bureau and undergo a personal identification procedure. Alternatively, it’s possible to buy a credit history report at branches of several banks or purchase reports via dedicated services. All these options require the physical presence of a client for identification. Sberbank wanted to change this outdated approach and take all the steps online with Instareport.
Instareport by Sberbank is implemented based on the «one-stop-shop» principle. As everything happens online, customers don’t need to collect a package of documents and go through an additional identification process. Instead, they get a turnkey report in their mailbox. The report serves as a solution to identify errors and negative aspects in credit history, learn about bank requests, and better evaluate the chance of obtaining a loan.
Now Sberbank’s customers have the opportunity to check their credit history based on data from the National Bureau of Credit Histories, the United Credit Bureau, and Equifax. The report contains information about a borrower’s loans and lenders, as well as information about payment discipline. The service allows individual entrepreneurs and legal entities to access information on existing and closed loan agreements, bank guarantees, and inquiries made by banks to verify the borrower’s credit history.
Reviews
the project
App Dev for Payday Loan Company
"The developers are well-trained and experienced in building automated loan origination and loan management systems."
the reviewer
the review
The client submitted this review online.
Please describe your company and your position there.
I'm COO of company Tien Oi in Vietnam. Financial service. PDL.
For what projects/services did your company hire HES Fintech, and what were your goals?
Our task was to get a complete set of applications, both the back-office part and the portal for client with all the necessary integrations. That is to say, a full stack for start lending in Vietnam. We wanted to have a full-fledged team of not only development, but business analysis too. At the exit, the team even exceeded our expectations
How did you select HES Fintech and what were the deciding factors?
It was a recommendation from colleagues
Describe the scope of work in detail, including the project steps, key deliverables, and technologies used.
All work was divided into two-week sprints Initially, there was only a month of business analysis, after that the work was carried out in parallel with business analysis and development of the assigned tasks There was a general access in Jira, where I could agree on tasks or make adjustments
How many people from the vendor's team worked with you, and what were their positions?
On the project we had a project manager, two back-end developers, 1 front-end developer, a business analyst, 2 QA. Others connected sometimes when we need it for tasks and project
Can you share any measurable outcomes of the project or general feedback about the deliverables?
The HES Core system is highly functional and includes all the features we wanted. The team did a great job: they implemented the required level of customization and integrations.
As a result, we went live with top-notch software that automates many processes and helps to decrease operational costs. So, it is totally worth its money.
Describe their project management style, including communication tools and timelines.
The project management itself was transparent and effective. If some unexpected situations happened, the PM was there to settle the problem right away, so the team met the deadline and launched the project successfully.
What did you find most impressive or unique about this company?
We started our partnership with HES FinTech to enter a new market in Asia with an online platform for short-term loans.
From the initial project stage, we enjoyed the professional approach of every team member. Business analysts at HES have sufficient experience in banking and finance.
The developers are well-trained and experienced in building automated loan origination and loan management systems. It’s a pleasure to work with a team of people, who understand your business domain and objectives.
Are there any areas for improvement or something they could have done differently?
I would definitely recommend HES FinTech as a reliable vendor for loan automation. But I don't know what they could do for improvement, perhaps - their price per hour *)
The final product results in automation of processes, resulting in a decrease in operational costs. The workflow is effective and transparent, problems are reported and solved as they occur. The client is impressed by HES Fintech’s expertise in the financial industry.