Ultimate merchant
cash advance software
Get a free demo
Purpose-built merchant cash advance software
for the full MCA lifecycle
Frictionless onboarding
Onboard merchants quickly with a lightweight digital application that connects directly to payment processing and accounting data.
Automated revenue analysis, identity verification, and document capture reduce manual intake to a minimum — getting merchants through the funnel faster.
Automated revenue analysis, identity verification, and document capture reduce manual intake to a minimum — getting merchants through the funnel faster.
Revenue-based origination
Assess advance eligibility and size based on real-time merchant revenue data, transaction history, and AI-driven risk scoring.
Configure MCA products with flexible factor rates, holdback percentages, and renewal conditions that adapt to the performance profile of each merchant.
Configure MCA products with flexible factor rates, holdback percentages, and renewal conditions that adapt to the performance profile of each merchant.
Dynamic servicing
Track daily or weekly remittances, monitor merchant revenue performance, and manage advance balances from a centralised platform.
Automated reconciliation, real-time account visibility, and proactive borrower alerts keep servicing overhead low across high volumes.
Automated reconciliation, real-time account visibility, and proactive borrower alerts keep servicing overhead low across high volumes.
Performance-led collection
Detect merchants showing revenue deterioration early and act before repayment gaps widen. Apply adaptive collection strategies — adjusted holdback rates, short-term deferrals, restructured terms — that recover outstanding advances while keeping merchant relationships intact where viable.
Onboarding
Increase your profit
Daily sales
The system calculates the amount from every transaction automatically.
Registration and security
Depending on your needs, the cash advance loan software can include
additional steps in the registration process to improve security even more and protect all
counterparties.
KYB for money lending software
Secure your cash advance software by integrating it with the KYB
provider and verifying the borrowers’ identities in seconds.
Lending origination
Implement a smart
scoring system
The configurable workflows
Get your lending
product estimate
in 3 minutes
STEP:
/
Loan servicing
Manage your
lending business
Enjoy powerful backend features
Batch transactions
Save time and money by implementing batch transaction functionality into
your cash lending software.
Products
Create an unlimited number of flexible lending products via money lender software setting
different terms, interest rates, and payment frequencies.
Operations
Keep an eye on all your operations in one place and track changes to
just your business strategy timely.
API for your website.
Offer your clients a smooth onboarding process by connecting your website with
the merchant cash advance platform via API and redirecting them to the needed page directly.
and much more
Application management
Loan processing
Document templates
Automation of disbursements and payments
Transactions and reporting
Get a free demo
Expand your capabilities with integrations
The highest level of security
HES is ISO 27001 certified and uses SDLC to address security measures. This allows
us to release merchant cash advance underwriting software and solutions fully compatible with local and international data privacy
requirements.
Learn more
Modular architecture
HES cash advance software is developed with the help of 20+ prebuilt modules that cover lending
management processes end-to-end and can be modified and configured according to your
request.
Cloud provider
Online and offline platform access
We use free and open-source solutions, like Java, PostgreSQL, and Spring Boot - in
the development process and can deploy the ready solution on-premises or in the
cloud with any chosen provider. This approach helps us avoid extra license fees,
except for the platform’s source code.
Java LTS stack
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.
End-to-end solution
for cash advance lending
Scalable cash advance software
3-4 months time-to-market
A few seconds for a loan decision
No additional charges per customer
Learn more
FAQ
Is technical support available for cash advance software?
How long does it take to implement cash advance loan software?
Can MCA software provide insights and reports on a business's performance?
What are the benefits of using a merchant cash advance platform?
