End-to-end healthcare
finance software

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Healthcare finance software
Digitise and automate the full patient financing workflow — eliminating manual handoffs between clinical, administrative, and finance teams and reducing per-case processing costs.
60%
cost reduction
Complete identity verification, affordability assessment, and credit decisioning at the point of care — so financing is confirmed before the patient leaves the consultation.
15 min
loan approvals
Identify accounts with genuine repayment potential, apply intelligent outreach strategies, and recover outstanding healthcare finance balances more effectively across portfolio.
25%
improve recoveries

Integrated software for the complete
healthcare finance journey

Patient-centred onboarding
Launch a branded patient financing experience that works seamlessly across clinic, mobile, and web. Give patients a straightforward way to apply for treatment finance, review payment plans, and verify identity at the point of care.

Built on KYC compliance, automated eligibility validation, and provider system integration.
Clinical origination
Make fast, accurate financing decisions tailored to treatment costs, procedure types, and patient affordability.

Use configurable underwriting rules, AI-assisted scoring, and healthcare-specific data integrations to build products with deferred start options, interest-free periods, and provider-level pricing.
Compassionate servicing
Manage repayment schedules, treatment milestones, and patient communications from a unified platform.

Maintain full visibility across your healthcare loan portfolio with real-time account tracking, automated reminders, and provider-facing reporting tools.
Sensitive collection
Recover overdue healthcare finance balances with AI-driven engagement, financial hardship detection, and flexible repayment solutions that prioritise patient dignity and long-term relationship preservation.
Online onboarding

Healthcare lending software built for point-of-care financing

Remove the financial barrier between patients and the care they need. Let providers offer instant financing options at the point of care — so treatment decisions are never delayed by affordability concerns or slow approval processes.
Increase conversions at the financing step
Approve patients before they leave
Reduce defaults without burdening your staff
Scale through clinic and provider networks

Get your papers signed online

Say goodbye to the hassle of printing, scanning, and mailing documents back and forth. Securely store and share medical financing information with a simple and paperless interface. Leverage fully digital e-signature features and approval workflows.
Healthcare application flow
Seamless application flow
HES analysts use pre-built form sets to help facilitate a smooth step-by-step onboarding process. Patient lending software will simplify data gathering, boost conversion rates, and ensure a personalized experience for borrowers.
KYC and AML in healthcare lending

KYC & AML

Our patient finance solutions include robust KYC (Know Your Customer) and AML (Anti-Money Laundering) features to ensure compliance with regulatory requirements and protect businesses from fraud.

The configurable workflows

Merchant cash advance software workflow
Healthcare loan servicing

Medical loan software
for lending management

Loan
Products
Healthcare loan servicing dashboard
Healthcare loan product management

Feature-rich task management

Out-of-the-box patient financing software allows for efficient and secure task management in every region or branch through granular user roles and models. Harness our easy-to-use platform to keep track of all tasks, prioritize them, assign them to team members, and set deadlines to ensure everything is completed on time.
Healthcare lending product engine

Versatile product engine

HES patient financing platform comes with a flexible product engine that enables easy configuration of loan products, fees, interest rates, and terms. Create and offer personalized lending solutions while complying with any legislative changes.
Configurable user roles in healthcare lending
Customizable user roles
Protect your healthcare financial information and reduce risks and data breaches with HES medical loan servicing solution. Assign and manage user roles, granting access only to the necessary features and functions.

Get your lending
product estimate
in 3 minutes

STEP: /
Security
Deployment
Tech stack

Rock-solid security

HES is ISO 27001 certified and our Systems Development Life Cycle (SDLC) enables the implementation of robust security measures. We ensure the highest level of information security management and give you peace of mind so you can focus on what really matters: growing your business.
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Online and offline access

HES healthcare finance software can be deployed on-premises or in the cloud, providing flexibility and control over data. We utilize AWS, Azure, and Google Cloud Platform for cloud-based services.
aws aws
Cloud provider

Powerful backend tools

HES backend is built with the latest Java LTS and is anchored by a PostgreSQL database. We utilize Terraform for infrastructure management and Camunda for workflow automation, resulting in a robust backend versatile for any business demands.
Java LTS stack
Technology Architecture

Success stories

client
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.
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Boris Batine
Co-Founder, ID Finance
client
HES FinTech offers comprehensive front-to-back solutions with integrations. Our machine learning platform will allow clients best-in-class investment advice.
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Edward Downpatrick
Strategy Director, Fintuity
client
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.
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Hjortur H. Jonsson
Partner, ALM Securities
client
HES FinTech developed our lending software and predictive analytics. Their expertise delivered automation, clear UI/UX and customer portal.
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Mazen Alasnag
Head of Loan Management
client
The LMS provided flexible repayment options, automated restructuring and branch-level management, enhancing efficiency and risk mitigation.
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Urnukhjargal Badam
Branch Manager, Tavan Bogd

Your robust healthcare
lending software