PayDay Loan Software

Automate short-term consumer lending processes. Enter a new market or update your current operations with payday or installment lending software within 3-4 months. Trusted by dozens of MFIs and PDL lenders worldwide.
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Loan Management


Automate onboarding and loan origination workflows. HES payday loan software makes management easier by improving customer onboarding, streamlining back-office operations, and maximizing portfolio performance.

  • — Provide a seamless application process with your country and market specifics, valuable integrations
  • — Reduce paperwork: no double-keying and manual hand-offs
  • — Automate customer due-diligence


Monitor and minimize credit scoring risks associated with lending. Automatically manage loan approval by applying proprietary business logic to reduce risks while increasing control.

  • — Connect to an in-house decision engine
  • — Use your own decision rules inside of the HES system
  • — Integrate with credit agencies and other data sources (KYC, AML, open-banking, DB, etc.)
  • — Leverage an AI-driven credit scoring platform by HES Fintech

Loan Management

Bring embedded and automated workflow management. Get an end-to-end system that covers the full loan lifecycle management. Calculations, document management, loans and portfolio management, financial reporting and statistics, servicing — all work together on a single platform

  • — Get a complete overview of loan accounts in the CRM
  • — Create dynamic configurations of unique business rules
  • — Work with an unlimited number of financial products and loyalty programs
  • — Eliminate manual processes


Automate processes from a loan disbursement to closure. Get a robust engine for greater workflow-driven efficiency.

  • — Simulate payment schedule with loan amounts and terms
  • — Configure the main loan parameters
  • — Generate various payment schedules
  • — Define preferable payment hierarchy


Automate collection workflows (soft collection, reminders, legal documents) and integrate with any collection agency or other method of collection.

  • — Manage overdue loans (check status, notify, etc.)
  • — Generate personalized notifications and letters
  • — Utilize bad debt management (restructuring, litigation, write-offs)
PayDay Loan Software

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Advance PayDay Loan Software

Application Module
Loan Management
Credit Scoring
PayDay Lending Software Interface
The CRM Module
Product Offerings
Bank Transactions
Bank Transactions
Loan Management
Loanbook Management
Application Module
PayDay Customer Portal

Online PayDay Lending Software by HES

PayDay loan business software by HES has already been chosen by lenders and financial institutions worldwide for their top-notch modular architecture. We help our clients digitalize their workflow by having all the processes in one place. What businesses have experienced working with HES:
reduction in operating costs
solution flexibility and robustness
increase in efficiency
reduction in time to fund
Technology Architecture Overview

Time to market

Bring your payday lending business to market in 3-4 months. Get an automated, end-to-end PDL system that is fully compliant with industry-wide regulations and meets the most demanding business requirements.

Modular System

On the basis of the HES Core™, we deliver tailor-made lending platforms to financial institutions of all sizes. The platform comprises over 20 prebuilt modules that can be configured and used independently or holistically (as an end-to-end system).


Explore the core

Tech Stack

HES Lending Platform leverages a Java technology stack, including Java 11, Spring 5, and PostgreSQL 11. The system handles BPM-engine, open-source and FOSS technologies, AI/ML algorithms.


HES brings scalability and automation, and helps payday lenders adapt to market trends and introduce new products at a faster pace. No vendor lock-in or penalty for growth. You control everything.

Boost your Payday Business Today

Schedule a demo of HES Fintech’s payday loan management system
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