Consumer Lending Software

A highly customizable consumer financing platform that automates all steps of lending. Launch in 90 days. 20+ prebuilt modules. AI/ML credit scoring.
New call-to-action
New call-to-action
Automated Workflows
Origination
Credit Scoring
Servicing
Debt Collection

Automated Workflows

Whether you are a bank, alternative lender, credit union or finance company, HES BPM-driven consumer loan software manages complex workflows in a seamless and automated way.

From a fast end-to-end application process to managing document flows and collecting payments, the platform stands for the critical demands of both consumers and lenders.

Origination

Reduce loan processing time to increase efficiency and enhance the customer experience. Automate each step of your credit process for faster and better loan decisions. Speed up time to fund and eliminate manual processing throughout the lending lifecycle.

  • — Business workflow automation
  • — Customer due diligence
  • — Client AI-based credit scoring

Servicing

Streamline loan servicing with dozens of possible customization options. Set up calculation for various loan types, payment protection plans, and keep your business compliant with loan operation regulations.

  • — Automate loan disbursement
  • — Configure, calculate and track payment schedules
  • — Perform day-to-day calculations for accruals, write-offs
  • — Implement direct debit for loan repayment

Credit Scoring

Automate underwriting process, thoroughly assess the financial standing of potential borrowers and better identify creditworthy customers.

Have your in-house decision-making process or leverage proprietary scoring models and credit bureau ratings. Adjust and train the system to make correct decisions once sufficient data is collected.

Debt Collection

Automate and optimize collection operations. Sophisticated and flexible soft or legal collection features, pre-collection module. Implement automatic notifications (email, SMS, etc.), adjust a loan repayment module according to your business needs.

MoneyMan Logo

Finca Logo

IdeaFinance Logo

AlfaBank Logo

Fintuity Logo

ATM Online Logo

Consumer Lending Platform

Application Module
Loan Management
KYC & Scoring
Consumer Lending Software Interface
Application Module
Consumer Application Module
Loan Management
Consumer Loan Management
KYC & Scoring
Credit Scoring Interface

Consumer Loan Software by HES Fintech

On average our customers have experienced
60%
reduction in operating costs
100%
solution flexibility and robustness
35%
increase in efficiency
50%
reduction in time to fund
Technology Architecture Overview

Online and Offline Access

The platform can be deployed to the production environment of a chosen provider. Our solutions enable lenders to deploy mission-critical technology on-premises or in the cloud.
aws

Powerful Backend Tools

HES utilizes a Java technology stack, including Java 11, Spring 5, PostgreSQL 11. The architecture is based on FOSS-technologies with no licensing fees, except for the source code of the platform.

java

slon
angular

Explore the core

Security and Compliance

HES addresses security measures through the SDLC. On top of this, the system guarantees full compliance with domestic and international legal regulations, as well as data privacy protection.

Modular Architecture

HES loan software is made of a collection of 20+ prebuilt modules that span customer onboarding, KYC and credit scoring, LOS, product engines and calculations, workflow, document management, and more.

Get Started with HES Today

Request a demo to get more information about our Consumer Lending Solution
New call-to-action
New call-to-action