About us

Say Yes to HES

About us

Say Yes to HES

Our vision

In 2012, we launched HES to close the gap between legacy
lending and tomorrow’s tech. Our cloud-native platform equips
banks, credit unions, and fintech unicorns with end-to-end
lending software that modernizes operations without discarding
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 cost and create
value. We free your team to make faster credit decisions and
focus on growth.

Ivan Kovalenko

Co-founder, CEO

Dmitry Dolgorukov

Co-founder, CRO

Our vision

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 cost and create
value. We free your team to make faster credit decisions and
focus on growth.

Ivan Kovalenko

Co-founder, CEO

Dmitry Dolgorukov

Co-founder, CRO

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

160

Сompleted
projects

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

2025

Opened a US office and announced expansion plans for the UK.

US office

Shortlisted for the FinTech Breakthrough Awards and the Cloud Awards for excellence in digital lending and SaaS for FinTech.

the FinTech Breakthrough Awards and the Cloud Awards

From LEAP 2025 to London Tech Week and Baltic Fintech Days 2025, we engaged the industry firsthand, growing our ecosystem of partners and clients.

LEAP 2025

Integrates with over 100 APIs and external services, including VoPay, Ondato, Jumio, Vector ML Analytics, PandaDoc, and GiniMachine.

Integrates with over 100 APIs and external services

HES FinTech was recognized among the top 3 fintech companies. GiniMachine was named one of the top 5 AI fintech solutions in Lithuania.

recognized among the top 3 fintech companies

2024

Expanded strategic collaborations with EDGE and Alraedah Finance to drive open banking analytics and digital lending in the Middle East.

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.

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.

MFC Conference

2023

Showcased its solutions at LEAP 2023 in Riyadh and presented HES LoanBox at Money20/20 Europe, receiving strong industry feedback.

LEAP 2023

Formed strategic partnerships with TPIsoftware, Credolab, Acquired.com, and APLYiD to enhance automation, scoring, payments, and ID verification.

partnerships with TPIsoftware, Credolab, Acquired.com, and APLYiD

2022

Partnered with VoPay to bring real-time payments to Canadian lenders.

VoPay

Joined forces with Nordigen to accelerate open banking adoption in Europe, improving both payment flows and financial data integration.

Nordigen

Launched HES LoanBox, a ready-to-use digital lending platform with 3–4 month time-to-market, AI credit scoring, and flexible integrations.

Launched HES LoanBox

2021

Earned ISO/IEC 27001 certification, confirming compliance with international data security standards.

Earned ISO/IEC 27001 certification

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.

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.

Canadian Lenders Association

2017

Selected for the Elevator Lab accelerator by Raiffeisen Bank International, a nod to its innovation and future potential in digital finance.

Elevator Lab accelerator by Raiffeisen Bank International

2016

Launched GiniMachine, an AI platform for automated credit scoring and decision-making for financial institutions and fintechs.

Launched GiniMachine

Nominated for Innovative Banking Software at the European FinTech Awards, recognizing its impact and innovation in the industry.

Innovative Banking Software at the European FinTech Awards

2012

Secured its first major international client, ID Finance (MoneyMan), marking the start of its global presence.

ID Finance (MoneyMan)

Founded in Lithuania to modernize lending through automation and process optimization technologies.

Founded in Lithuania

Leadership team

Visionaries
driving growth

Artem Britun

Head of Business Analysis

Anton Lippert

Head of Project Management

Andre Kravchenko

SVP, Business Development

Emilia Zhied

Head of Marketing

Peter Galaburda

HES LoanBox Product Manager

Dmitri Mazanik

CTO

Katrin Kirvel

Head of HR

Julia Sivchik

CFO

Mark Rudak

GiniMachine Product Owner

Our partners

Backed by the best

Our partner ecosystem unites category-leading platforms in data, compliance, workflow automation, and
customer engagement.

Our clients

Where lenders level up

Wa’ed, Aramco’s $500M VC arm, chose HES FinTech to automate SME lending with a
full-cycle platform featuring AI and integrated payments.

Commercial lending

Saudi Arabia

Fintuity, the UK’s first digital FCA-regulated IFA, partnered with HES FinTech to
build a hybrid AI-powered advisory platform in five months.

Investment advisory services

the UK

ID Finance partnered with HES FinTech to launch a custom HES LoanBox platform in
three months for rapid expansion in emerging markets.

Consumer lending

Spain and 10 more countries

Consumer lending

Spain

Idea Bank, a Polish SME-focused bank, partnered with HES FinTech to automate POS
lending, cutting application processing time fivefold.

Bank POS lending

Poland

ATM Online, with 500,000 users and $14M disbursed in Vietnam, partnered with HES
FinTech to launch an automated lending platform in four months.

Consumer lending

Saudi Arabia

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.

Consumer & Commercial lending

Mongolia

Consumer

Mongolia

ALM Securities replaced manual spreadsheets with a cloud-based HES LoanBox platform,
going live in 6 months and achieving 100% digital processing.

Commercial lending

Iceland

Awards and recognition

Technology built on trust

Recent press

Media resources about us

The company’s flagship product is an all-in-one modular platform that brings automation powered by AI to financial institutions of all sizes.

HES FinTech is a full-fledged technology partner with vast experience in the fintech domain and a talented team ready to share valuable insights.

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.

Say Yes to HES

Our vision

Our vision

Expertise

Clients

Milestones in motion

Visionaries
driving growth

Backed by the best

Where lenders level up

Technology built on trust

Media resources about us

Start lending
in just 3 months

Book a demo

Say Yes to HES

Our vision

Our vision

Expertise

Clients

Milestones in motion

Visionaries driving growth

Backed by the best

Where lenders level up

Technology built on trust

Media resources about us

Start lending in just 3 months

Book a demo

Visionaries
driving growth

Start lending
in just 3 months