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 the debtor ledger behind it onto the platform through a digital
application that pulls accounting and invoice data directly. KYB, credit-limit setup, and
document capture cut manual intake, so clean, auditable records exist from day one.
Receivables-based origination
Size each facility from real invoice data, debtor payment history, and AI scoring you can tune
to your book. Set advance rates, concentration caps, and debtor eligibility per client, and run
recourse or non-recourse structures 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, reserve positions, and facility
utilization stay current without spreadsheet work between teams.
Disciplined debtor collection
Spot slow-paying debtors before an invoice ages into a problem, then chase by value, age, and
payment record. Automated reminders, staged escalation, and dispute handling pull cash in sooner
and keep days sales outstanding under control.
Customizable factoring solution
that benefits all parties
Supplier
Empower your suppliers with instant invoice submission, real-time funding visibility, and
automated commission calculations accessible 24/7 - reducing your operational costs while
delivering the digital experience they expect.
Factor
Make faster, smarter factoring decisions with AI-powered scoring models built from your
historical data. Automate the complete factoring lifecycle from onboarding to payout in one
integrated platform.
Debtor
The system provides debtors with convenient tools to verify invoices and track their payment
obligations in real-time, reducing back-and-forth communications and accelerating the
payment cycle.
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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 without the back-and-forth
Invoice and ledger verification
Grow through broker and introducer channels
Task management that keeps factoring teams in sync
Work should never stall on the wrong desk. The platform routes each facility and invoice by reviewer
role and workload, flags items aging toward a turnaround breach, and keeps credit review, invoice
checks, and payouts on one shared view.
Facility origination
Faster, sharper underwriting
on every facility
When a facility takes days to clear, good clients walk and shaky invoices slip in. Run verification
and scoring on every submission, so each one comes back with a fast, confident decision.
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
Products configured, not coded
Recourse, non-recourse, whole-turnover, selective, and confidential invoice discounting all
run from one HES LoanBox configuration. Advance rates, fees, reserve, and debtor eligibility
set per product or client, so a new structure goes live without a development cycle.
Facility agreements, auto-generated
Master facility agreements generate from templates already populated with advance rate, fee,
reserve, and assignment terms. 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, so working capital keeps cycling.
Dilution, credit notes, and disputes
Credit notes, short-pays, and disputed invoices get logged against the right facility and
netted off automatically. You see dilution per client as it happens, so a deteriorating
ledger never hides inside the funded balance.
Debtor payment reconciliation
Every debtor receipt is matched to the open invoice and reserve it belongs to, with no
manual line-by-line work. Shortfalls, overpayments, and unapplied cash surface on their own,
so the ledger stays accurate as money lands.
Workflows without the dev queue
Change how a facility moves through onboarding, approval, and funding with a visual builder
instead of a ticket to engineering. Add a step, branch the logic, and push it live in days.
Workflows shaped to your factoring book
Receivables servicing
One system for the entire receivables book
Most factors still wire a core ledger to spreadsheets and email, so problems stay hidden until a
debtor goes quiet. Keep the book live instead, adjust terms when you need to, and post every payment
where it belongs.
Facilities that run themselves
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.
Better calls, fewer write-offs
Because the models learn from your own facility outcomes, they score up to 3x more
accurately than a manual read, letting more sound deals through.
Concentration and dilution, watched
Watch debtor concentration, catch dilution as it builds, and flag a debtor sliding toward
default early, so the book stays balanced and profitable across every client.
Debtor collections
Recover overdue invoices before they turn into losses
A debtor who pays late is margin leaking out of the facility. Automated outreach, AI-ranked queues,
and rules you configure let the team move quickly, stay within policy, and pull more cash back in.
Recovery starts the moment a debtor slips
Go after the highest-recovery debtors first
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
Shape the modules, build your own workflows, set the approval routes your factoring
committee signs off on, and connect anything from business bureaus to your accounting
system.
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 in 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,
and they know receivables finance. Built by lenders, for lenders.
Proven security
ISO 27001 and SOC 2 certified. 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
Every deployment is ISO 27001 and SOC 2 certified and follows a strict SDLC.
Encryption in transit and at rest, role-based access, and a hardened hosting
environment keep client and debtor records safe.
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 pick the model your compliance needs call
for, with no vendor lock-in.
An open stack
you can own
Under the hood: open-source technology with no licensing fees on top, Java
LTS, BPMN 2.0, Camunda, and Form.io. You can own the HES LoanBox source code
outright and adapt it over time.
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.
40%
of North American B2B invoices go 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
in three months
You source the receivables. HES FinTech delivers the technology.
