Microfinance Software

Automate every step of micro-lending, from onboarding to repayment. Trusted by 65 microfinance lenders in over 20 countries worldwide. AI-driven scoring.
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End-to-End Solution
Origination
Servicing
Credit Scoring
Statistics & Reporting

End-to-End Solution

HES FinTech software for MFI lenders covers end-to-end functionality in a single system: origination, underwriting, servicing, collection, and reporting. Speed up «time-to-fund» and discard insecure manual processes in favor of smooth automated workflows.

Whether you need to go digital, add process automation, or facilitate the transformation of current operations, our microfinance system can meet your business needs in an ever-changing lending market.

Origination

Orchestrate the loan origination process with a dedicated end-to-end solution. Save labour and other operating costs. Accelerate the speed of loan application handling from first engagement with a borrower to the final acceptance.

  • — Smooth application process
  • — Verification of the customers’ identity and compliance
  • — Quick credit risk assessment with AI
  • — Automatic processing of documents/loan underwriting

Servicing

HES software replaces siloed servicing and provides full control over the process. Automate every single step after disbursing the funds until the loan is fully paid off. Сollect principal, interest, and escrow payments from a borrower. Monitor delinquencies, restructurings and execute foreclosures.

  • — Loan disbursement automation
  • — Payment schedules management
  • — Daily calculations for accruals, arrears, write-offs

Credit Scoring

Determine the creditworthiness of borrowers at speed and scale. Integrate with third-party credit scoring providers or build your own scoring system and make well-informed credit decisions.

  • — Accurately assess the financial state of borrowers
  • — Automatically build, validate and deploy AI scoring models
  • — Reduce NPLs and boost loan portfolio return

Statistics & Reporting

The reporting module provides fast, customizable access to interactive dashboards with accurate information and easy-to-use tools to make critical business decisions. Instant reports allow MFIs to track areas that need immediate attention.

Export data to a range of formats, use clear standard dashboards or create comprehensive reports and deliver results to the right person in the right format.

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Software for Microfinance

Reports and Statistics
Built-In Product Engine
AI-Based Credit Scoring
Microfinance Software Interface
Reports and Statistics
Micro Loan Software Borrower Interface
Built-In Product Engine
Product Engine
AI-Based Credit Scoring
Credit Scoring

Micro Credit Software by HES

The HES platform for microfinance has already been chosen by lenders worldwide for its feature-rich modular architecture. Our MFI solution brings you the following benefits
Reduction in operating costs
60%
Solution flexibility and robustness
100%
Implementation time in months
3-4
Increase in efficiency
35%
Why Microfinance Software by HES Fintech

System Maturity and Flexibility

HES software offers endless customisation options and the maturity of the HES Core to meet the most demanding financial business needs. Being a highly scalable platform, HES enables automation and helps lenders quicker adapt to new market trends and introduce new products at a faster pace.

Modular Architecture

HES offers a flexible system with a future-proof architecture in place. HES Core is made of 20+ prebuilt modules that are easily configured and implemented to provide functionality both for online borrowers (front-end components) and back-office employees (back-office modules).

Rich Integration Capabilities

HES offers fully integrated front-to-back solutions that are designed to streamline lending operations. The solutions are built with open source tools and could be integrated with any existing infrastructure.

Security and Compliance

HES FinTech facilitates compliance with the latest international regulations. The software components are built on leading technologies and adhere to enterprise-level security standards and security measures throughout the SDLC.

Ready To Learn More?

Book a personal session with an expert to get comprehensive information about HES microfinance software.
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