HES FinTech, a leading provider of next-generation lending solutions, is proud to announce a strategic partnership with Zūm Rails, an all-in-one instant payments ecosystem and embedded-finance provider.
Together, the two companies will deliver an integrated financial technology solution designed to connect lenders and borrowers through prepaid and secured credit card issuance. The collaboration aims to bridge the gap between financial institutions’ operational needs and the capabilities of modern technology.
The combination of HES FinTech’s expertise in lending automation with Zūm Rails’ advanced payments infrastructure will enable businesses to efficiently scale money movement operations and introduce new spend-based lending experiences—all while maintaining local compliance and operational efficiency.
This partnership sets the stage for seamless, scalable, and compliant financial solutions across North America. The initiative will expand access to innovative technologies and open new monetization opportunities across a range of sectors, including lending services, marketplaces, fintech platforms, SME payroll and disbursements, and corporate spend management.
Today’s businesses expect payment systems that are fast, flexible, and seamless. By teaming up with Zum Rails, we’re combining our expertise in lending technology with their advanced payments infrastructure to deliver a solution that truly matches the speed of modern business.
Andre KravchenkoSenior Vice President of Business Development at HES FinTech
Our partnership with HES FinTech is about enabling speed, flexibility, and innovation for our clients. By combining Zūm’s direct card-issuing and payments infrastructure with HES’s automation and lending expertise, we’re giving businesses the tools to bring new financial products to market faster—with more control and drive new customer experience.
Miles SchwartzCo-Founder and CEO of Zum Rails
