Cash Advance Loan Software for Merchants

Merchant Cash Advance Software for Intelligent Funding

Streamline and automate processes with white-label configurable software. Provide funding in as fast as 1 business day. Endorsed by the leading SME lenders worldwide.

Onboarding

Decision-Making

Loan Management

Servicing

Payment Plan Feature

Onboarding

Offer a seamless borrower experience from anywhere. Provide customers with a 5-minute online application. Introduce a unique onboarding process or integrate a current one into your new lending system built by HES.

— Cut origination costs by up to 75%
— Let your customers apply and book a loan on the same day
— Reduce your time to “yes” from 24 to 4 hours
— Automate due-diligence and document management

Decision-Making

The efficiency of modern lending lies in its ability to originate and close loans faster. Optimize time to “yes” and make informed loan decisions in under 2-4 hours. Implement an in-house risk assessment solution or utilize external scoring models:

— Your proprietary solution will be automated in the HES system
— Integration with credit agencies, other data sources (KYC, AML, DB)
— AI-powered credit scoring platform by HES Fintech
— Manually review ‘grey zone’ customers or funds that exceed the limit

Loan Management

Quickly move through the process with automated workflow management. Get an integrated system that allows tracking and making adjustments to customers’ accounts. Create an MCA portal that covers a lending business from A to Z and could be integrated into any existing infrastructure.

— Create dynamic configurations of unique business rules
— Automate mission-critical processes with minimal costs
— Align loan products with credit policies and risk assessment rules

Servicing

The payment processing integration is a crucial step in setting up an MCA business. We offer integrations with any of the existing payment processors: manual, data feed, and split.

— Generate payout transactions for banks, register incoming payments
— Manage escrow accounts
— Set payment delay for a specific period of time or date
— Reschedule loans, change its structure and term
— Pause penalties accrual/ Payment holidays

Loan Servicing

Payment Plan Feature

Always have effortless access to both contracted and actual payment schedules. Utilize flexible approaches to your customers, including temporary credit restructuring, zero percent in a crisis or payment holidays:

— Early / partial payouts
— Renewals
— Contracted / amortization schedules
— Manual payment registration

Modular System

The HES Core™ modular system is the synonym of flexibility. Either used holistically or as a collection of 20+ ready-made modules to choose from, lenders can easily configure and implement the system the way it offers a seamless experience for both borrowers and corporate employees.

Explore the core

Flexibility

HES FinTech merchant cash advance software brings along customization options. A highly scalable platform, HES enables automation and helps lenders quicker adapt to new market trends and introduce new products at a faster pace. No vendor lock-in or penalty for growth. Your growth is our priority: we do not charge for new users or managers. Once you buy the software, you’re in full control.

Merchant Cash Advance Software for Intelligent Funding

Onboarding

Decision-Making

Loan Management

Servicing

Payment Plan Feature