HES FinTech, a global provider of configurable lending software and AI/ML-powered scoring solutions, and Evatech, an AI-driven SME risk technology company, have announced a strategic global partnership designed to accelerate SME lending modernization worldwide.
The partnership combines HES’s loan origination and servicing technology with Evatech’s intelligent SME risk-scoring capabilities, offering financial institutions a complementary set of tools that enhances both the speed and quality of credit decisions across the full lending lifecycle, from onboarding and underwriting to portfolio management.
Through this collaboration, HES clients gain access to Evatech’s proprietary models that assess SMEs using operational and non-financial business signals, helping lenders identify resilient SMEs and reduce default risk. At the same time, HES FinTech’s GiniMachine platform enables rapid development and deployment of predictive scoring models based on historical lending and repayment data. Combined, the technologies enable faster approvals, greater accuracy, and improved customer experience for borrowers.
The partnership addresses one of the biggest challenges in SME finance: evaluating businesses where traditional financial data is limited or unavailable. Evatech’s technology, developed through more than seven years of R&D and validated across multiple international markets, enables lenders to make faster and more disciplined lending decisions in thin-file environments.
The companies are already collaborating on joint opportunities across Southeast and Central Asia and Africa. The partnership announcement coincides with Toronto Tech Week 2026, where Evatech is participating alongside leading global technology and innovation companies.
Evatech, recognized among the Top 50 AI-driven RiskTech companies globally, already supports more than 20 banks and financial institutions, consistently helping partners achieve sub-2% NPL outcomes in comparable SME portfolios.
Over the years, we've heard the same thing from a growing number of our clients and prospects: they want a seamless end-to-end experience - from risk intelligence through to loan execution. HES Fintech is the ideal partner to deliver that. Their platform is proven, reliable, and a natural complement to what we do - amplifying the value our clients already get from Evatech, while opening the door to institutions that want both capabilities under one roof.
About HES FinTech
HES FinTech is a global fintech technology company founded in 2012 and headquartered in Vilnius, Lithuania, that specializes in developing automated, end-to-end lending and loan management software for banks, alternative lenders, and financial institutions of all sizes in diverse markets, including consumer, commercial, SME, Islamic, point-of-sale, and embedded finance lending. Trusted by more than 130 clients worldwide, HES FinTech’s product ecosystem enables financial institutions to launch, customize, and scale lending products quickly and securely while maintaining compliance and high-performance operations.
About Evatech
Evatech is a global AI-powered SME risk technology company. Its solutions leverage operational and behavioral non-financial data to enhance SME credit assessment and support faster, more disciplined lending decisions. Evatech, recognized among the Top 50 RiskTech AI companies globally, already supports more than 15 banks and financial institutions, consistently helping partners achieve low NPL outcomes (sub-2% in comparable portfolios).
