Factoring software for
invoice finance providers
Built for factors, invoice discounters, and bank receivables desks. Verify invoices, fund against the
sales ledger, and reconcile debtor payments on one platform.
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Purpose-built factoring software
for the full receivables lifecycle
Streamlined client onboarding
Bring each new client and its debtor ledger onto the platform through a digital application.
Invoice data comes in from the accounting and invoicing systems you connect. KYB, credit-limit
setup, and document capture run inside the application, and each step is logged for audit.
Receivables-based origination
Size each facility from real invoice data and debtor payment history. GiniMachine adds a score
trained on your own book. Set the advance rate and caps and decide which debtors are eligible.
Recourse and non-recourse structures run from the same engine.
Live invoice servicing
Follow every funded invoice from drawdown to settlement, with debtor payments matched and the
sales ledger updated as cash lands. Client statements and reserve positions update with the
posting, and facility utilization recalculates at the same time.
Disciplined debtor collection
HES LoanBox flags debtors whose payment times are getting longer, before their invoices reach
your overdue thresholds. Disputed invoices and short-pays are logged against the facility they
affect, and collectors handle them in the same queue as reminders.
Customizable factoring solution
that benefits all parties
Supplier
Suppliers submit invoices in a white-label portal and follow each one from submission to
funding. Fees on every advance are calculated automatically by the platform.
Factor
GiniMachine scores clients and debtors with models trained on your historical data. The
cycle from onboarding to payout runs in HES LoanBox.
Debtor
Debtors verify invoices and track their payment obligations in real-time, reducing
back-and-forth communications and accelerating the payment cycle.
Get your lending
product estimate
in 3 minutes
STEP:
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Digital onboarding
Factoring software that
funds more receivables
Turn client inquiries into funded invoices without friction. Sellers request a quote, submit
invoices, and reach drawdown on one digital path, while the platform runs the repetitive checks and
your team clears far more facilities with much less manual effort.
Onboard the client and its debtor pool
Decide and fund in one workflow
Invoice and ledger verification
Grow through broker and introducer channels
Task management that keeps factoring teams in sync
HES LoanBox assigns each facility and invoice to a reviewer based on role and current workload. It
flags items close to their turnaround deadline, and credit and operations teams track every facility
in one shared view, from review to payout.
Facility origination
Faster, sharper underwriting
on every facility
Every submission goes through invoice verification and scoring before funding. The decision follows
your policy rules, and borderline cases go to a credit officer.
Invoice checks and right-sized facilities
Your risk rules, enforced automatically
AI scoring tuned to receivables risk
GiniMachine models that keep learning
Notice of assignment, handled in-flow
Invoice factoring origination system
and much more
Configurable factoring products
Recourse, non-recourse, whole-turnover, selective, and confidential invoice discounting run
from one configuration. Advance rates, fees, reserve, and debtor eligibility are set per
product or client. New configurations go live without a dev cycle.
Facility agreements, auto-generated
Master facility agreements generate from templates already populated with advance rate, fee,
reserve, and assignment terms. Get fewer drafting errors, faster funding, and a paper trail
that holds up when a client or auditor asks.
Reserve release and re-advance
As soon as a debtor pays, the held-back reserve is freed and the client can draw against
fresh invoices again. Release rules, holdback percentages, and re-advance limits follow the
terms you set per facility, keeping working capital cycling.
Dilution, credit notes, and disputes
Credit notes and short-pays get logged against the right facility and netted off
automatically. Disputed invoices are tracked on the same facility until they are resolved.
Debtor payment reconciliation
Debtor receipts are matched to the open invoice and reserve automatically. Shortfalls,
overpayments, and unapplied cash surface on their own. The ledger stays accurate as money
lands.
Workflows without the dev queue
Change how a facility moves from onboarding to funding with a visual builder. Operations
staff edit the steps and approval routes themselves.
Workflows shaped to your factoring book
Receivables servicing
One system for the entire receivables book
HES LoanBox keeps the whole receivables book in one system. You adjust facility terms when needed,
and each debtor payment posts to the invoice and facility it belongs to.
Rule-based facility servicing
Early warning on debtor risk
Every client and debtor in one view
Settling debtor cash and client payouts
Business factoring system
for all-round control
AI risk scoring for clients
and their debtors
Scores your committee can question
Every client and debtor is scored from first review through to payoff, and each score is one
your committee can open up and challenge line by line.
Scoring trained on your own book
AI engine trains on your own facility outcomes and keeps learning as new ones come in. In
commercial lending, it has delivered up to 3x higher scoring accuracy.
Debtor concentration and dilution tracking
The book stays balanced and profitable across every client, as you watch debtor
concentration, catch dilution as it builds, and flag a debtor sliding toward default early.
Debtor collections
Rule-based collection of overdue invoices
HES Collection Agent ranks overdue debtors by value and age and escalates each case in stages, from
automated reminders to manual follow-up, under rules you set.
Recovery path for missed and short payments
Overdue accounts in priority order
Head off late payments early
Fees and reserve, within policy
100+ integrations across
your factoring workflow
Through an open API and pre-built connectors, HES LoanBox links into the tools a factor already
runs: accounting and sales-ledger systems, credit bureaus and business data, KYB and sanctions
checks, payment rails, communication, and analytics.
What you get from
our factoring software
Unlimited customization
Configure modules and workflows, including the approval routes your factoring committee
signs off on. Integrations with business bureaus or accounting systems are added as your
process needs them.
Transparent pricing
HES LoanBox pricing is simple: a license fee, plus custom development when you need it.
Users, clients, and debtors are all unlimited, and a developer license gives you full
control with no vendor lock-in.
3-month product launch
Go live from 3 months. Start funding receivables sooner and hit ROI well ahead of what a
legacy factoring system would take to stand up.
Industry expertise
Our analysts bring 10+ years in credit and lending, from the US and EU to emerging markets.
HES lending software has been deployed for 160+ businesses in 32 countries.
Proven security
ISO 27001 certified and SOC 2 aligned. Runs on AWS or Google Cloud on a Java LTS stack, with
audit logs and role-based access.
Dedicated support
Reach a dedicated factoring support team for fast, expert help, any time you need it.
HES FinTech has been our reliable technology partner since 2012. I believe much of our success is due to the well-architected HES LoanBox solution.
HES FinTech offers comprehensive front-to-back solutions with integrations. Our machine learning platform will allow clients best-in-class investment advice.
In just 6 months, we went from storing all our data in Excel to a fast, reliable, and user-friendly platform that caters to our specific needs.
HES FinTech developed our lending software and predictive analytics. Their expertise delivered automation, clear UI/UX and customer portal.
The LMS provided flexible repayment options, automated restructuring and branch-level management, enhancing efficiency and risk mitigation.
Security
Deployment
Tech stack
Certified, audit-ready
security
HES FinTech is ISO 27001 and SOC 2 aligned, and HES LoanBox is built under a
strict SDLC. Role-based access and 2FA control who can open and change
client and debtor records. Audit logs keep a record of changes that auditors
can review.
Learn more
Deploy it where
you need it
HES LoanBox runs on-premises, in a private cloud, or with a public provider
such as AWS or Google Cloud. You choose the hosting model your compliance
requirements call for.
An open stack
you can own
HES LoanBox runs on open-source components: Java LTS, BPMN 2.0, and Form.io.
The HES LoanBox license is the only license fee you pay.
The 2026 reality of
invoice factoring
€4T
in global factoring turnover
Worldwide factoring turnover passed
€4 trillion in 2025, up 3.7% on the year. Companies keep turning to receivables finance for working capital,
and the funding pool keeps growing.
+35%
US factoring growth in one year
Factoring turnover in the US jumped
35.5% in 2025, the fastest-growing major market. More businesses are financing invoices and need a
funder who can onboard them fast.
23%
of North American B2B receivables are overdue
Around 40% of B2B invoices in North America are paid late, and close to
5% are written off as bad debt. Late payment is the norm your clients live with, and the gap factoring fills.
76%
of US firms hit by payments fraud
More than three-quarters of US organizations met attempted or actual
payments fraud in 2025, much of it through fake invoices and vendor impersonation. Verifying debtors and invoices
is no longer optional.
Go live
from three months
You source the receivables. HES FinTech delivers the technology.
