Bank Loan Management Software

Digital white-label lending software for banks. The technology platform with 20+ prebuilt modules. AI scoring. Advanced automation and customization.
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Automation
AI Scoring
Customization
Integrations
Security

Automation

With HES Fintech, traditional and digital-only banks of any size in any market can automate step by step loan lifecycle management. Modernize your platform to make workflows as automated and optimized as possible with no overhead in staff or manual actions.

  • — End-to-end digitalization of lending routines
  • — Optimization of workflows from onboarding to collections
  • — Automation of risk management and credit decisioning
  • — Streamlined and paperless document management

AI Scoring

Have your in-house scoring solution implemented or utilize proprietary underwriting models. HES Software simplifies credit scoring activities for lenders, lowers operating costs and enables quicker turnaround on decisions.

  • — Your custom scoring solution (a unique scorecard will be automated)
  • — Integration with credit reference agencies, other data sources
  • — AI-powered credit scoring platform by HES Fintech
  • — Final strokes of manual assessment

Customization

Many banks exist in a monolithic structure. HES Lending Platform is a modular system that can be fully customized to meet specific business and legal requirements. The structural foundation of the platform is the HES Core™, an isolated codebase implemented in Java. The Core is composed of a set of 20+ prebuilt modules that are easily configured and implemented to provide functionality both for online borrowers (front-end components) and back-office employees (back-office modules).

Integrations

Leveraging integrations with valuable data sources and third-party providers, HES connects key services with lending software, creating the optimal work environment.

The platform is seamlessly integrated via APIs with existing core banking software as well as external parties like credit bureaus, AML/KYC, payment systems, BI solutions, accounting systems, e-signature providers to mention a few.

Security

Security measures are embedded through the system development life cycle (SDLC). The platform is built on leading technologies, which adhere to enterprise-level security standards, and are widely used in projects worldwide.

  • — Activity audit
  • — Authorization by using certificate, TLS or VPN
  • — IP-specific and device-specific access for each user or employee
  • — GDPR-compliance

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Lending Software for Banks

Product Offerings
Dashboard
Loanbook Management
Customer Portal
Consumer Lending Software Interface
Product Offerings
Product Offerings
Dashboard
Dashboard
Loanbook Management
Loanbook Management
Customer Portal
Customer Portal

Bank Loan Software by HES Fintech

On average our customers have experienced
60%
reduction in operating costs
100%
solution flexibility and robustness
3-4
months to start a project
x3
reduction in time to fund
Technology Architecture Overview

Fast Time to Market

Go fast to market, modernize legacy infrastructure or launch a greenfield bank in months, not years. HES Fintech’s extensive expertise, the combination of agile practices and continuous integration reduces the development life cycle to just 3-4 months.
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Modular Architecture

HES Lending Platform is bridging custom development flexibility and ready-to-go software functionality. The software is modular and highly configurable, which assures a financial institution will launch a project within months, not years.

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Explore the core

Security

From requirements engineering, development and QA to deployment and monitoring — HES Fintech addresses security in all stages of the SDLC. The team ensures strict compliance with international coding and cybersecurity standards.

Available Code

The source code is available for purchase. No vendor lock-in, per-user charges or penalties for growth. The lender controls everything. The platform can be deployed to the production environment of a chosen provider: on-premise, in the cloud or hybrid.

Get Started with a Product Tour

Schedule your personal demonstration of the HES lending platform for banks
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