Our vision
In 2012, we launched HES to close the gap between legacy lending and modern technology. Our cloud-native platform equips banks, credit unions, and fintech unicorns with end-to-end lending software that modernizes operations without discarding the existing data.
HES FinTech unifies origination, underwriting, servicing, and analytics in one stack, so teams can roll out products in months, stay compliant, and scale worldwide.
Our belief is simple: lending software should cut costs and create value. We free your team to make faster credit decisions while focusing on growth.
Expertise
We combine deep lending expertise with advanced tech to
deliver secure, end-to-end loan-management solutions.
Innovation drives HES FinTech to solve the toughest lending
challenges while protecting your data and ensuring full
compliance at every step.
30+
countries
worldwide
worldwide
160
projects
completed
completed
Clients
Tier-one banks, high-growth fintechs, and regional specialists
alike rely on our solutions to launch new credit products in a
matter of months, scale confidently with bank-grade security,
and manage billions in loan volume.
Our history
Milestones in motion
2026
Launched HES Collection Agent, an AI-powered end-to-end platform for tailored debt collection strategies.
2025
Opened a US office and announced expansion plans for the UK.
Shortlisted for the FinTech Breakthrough Awards and the Cloud Awards for
excellence in digital lending and SaaS for FinTech.
From LEAP 2025 to London Tech Week and Baltic Fintech Days 2025, we engaged the
industry firsthand, growing our ecosystem of partners and clients.
Integrates with over 100 APIs and external services, including VoPay, Ondato,
Jumio, Vector ML Analytics, PandaDoc, and GiniMachine.
HES FinTech was recognized among the top 3 fintech companies. GiniMachine was
named one of the top 5 AI fintech solutions in Lithuania.
2024
Expanded strategic collaborations with EDGE and Alraedah Finance to drive open
banking analytics and digital lending in the Middle East.
Took part in key industry events including London Tech Week, Baltic Fintech
Days, Seamless Dubai, and LEAP 2024.
Contributed to conversations on the role of AI in inclusive finance at the MFC
Conference in Krakow.
2023
Showcased its solutions at LEAP 2023 in Riyadh and presented HES LoanBox at
Money20/20 Europe, receiving strong industry feedback.
Formed strategic partnerships with TPIsoftware, Credolab, Acquired.com, and
APLYiD to enhance automation, scoring, payments, and ID verification.
2022
Partnered with VoPay to bring real-time payments to Canadian lenders.
Joined forces with Nordigen to accelerate open banking adoption in Europe,
improving both payment flows and financial data integration.
Launched HES LoanBox, a ready-to-use digital lending platform with 3–4 month
time-to-market, AI credit scoring, and flexible integrations.
2021
Earned ISO/IEC 27001 certification, confirming compliance with international
data security standards.
2020
Expanded across Europe, Asia, and the Middle East, with clients like ATM
Online, Fintruity, Wa’ed, Tavan Bogd Finance, CashU, and Ta Meri Finance.
Joined the Canadian Lenders Association to support digital lending
transformation in Canada.
2017
Selected for the Elevator Lab accelerator by Raiffeisen Bank International, a
nod to its innovation and future potential in digital finance.
2016
Launched GiniMachine, an AI platform for automated credit scoring and
decision-making for financial institutions and fintechs.
Nominated for Innovative Banking Software at the European FinTech Awards,
recognizing its impact and innovation in the industry.
2012
Secured its first major international client, ID Finance (MoneyMan), marking
the start of its global presence.
Founded in Lithuania to modernize lending through automation and process
optimization technologies.
Our partners
Backed by the best
Our partner ecosystem unites category-leading platforms in data, compliance, workflow automation, and
customer engagement.
Wa’ed, Aramco’s $500M VC arm, chose HES FinTech to automate SME lending with
a
full-cycle platform featuring AI and integrated payments.
Fintuity, the UK’s first digital FCA-regulated IFA, partnered with HES
FinTech to
build a hybrid AI-powered advisory platform in five months.
ID Finance partnered with HES FinTech to launch a custom HES LoanBox
platform in
three months for rapid expansion in emerging markets.
Idea Bank, a Polish SME-focused bank, partnered with HES FinTech to
automate
POS
lending, cutting application processing time fivefold.
ATM Online, with 500,000 users and $14M disbursed in Vietnam, partnered
with
HES
FinTech to launch an automated lending platform in four months.
Tavan Bogd Finance serves 280,000+ customers with diverse loans, using
HES
FinTech’s
system for fast, flexible credit. They manage a $63M portfolio
efficiently.
ALM Securities replaced manual spreadsheets with a cloud-based HES
LoanBox
platform,
going live in 6 months and achieving 100% digital processing.
The company’s flagship product is an all-in-one modular platform that brings
automation powered by AI to financial institutions of all sizes.
Read
more
HES FinTech is a full-fledged technology partner with vast experience in the
fintech
domain and a talented team ready to share valuable insights.
Read more
HES FinTech lending software is a great fit for traditional and alternative
lenders.
The platform has a potential to bring benefits both to lenders and borrowers.
Read
more
Start lending
in just 3 months
HES LoanBox end-to-end solution absorbs
the workload across onboarding,
underwriting, servicing, and reporting,
so you can scale revenue—not overhead.
