HES P2P lending software is not a plug-and-play solution. We offer a powerful technology backbone with customization so you can start in 3-4 months and expand. The solution leverages the latest tech stack and can be easily tailored to cover different types of lending such as commercial real estate investment or auto investing.
Either you plan to launch a pooled (through the platform) or direct (direct money transfer) lending, the platform gets you covered.
The matching engine automatically matches lenders and borrowers while taking into account borrower- and lender-specific settings. Matching rules are fully customizable and reflect borrower risk parameters, loan size, maximum lender bid size, and other rules, which uniquely define each P2P solution.
Analyze multiple data points to make accurate, reliable, and fast credit risk decisions across the customer lifecycle. Verify borrower identity, perform borrower credit checks, and filter out the unqualified borrowers. Integrate with third-party scoring service providers or implement your own risk assessment algorithms.
Get a comprehensive software system that will automate a multitude of marketplace workflows. From matchmaking automation to repayment processing, everything comes in a seamless and cost-effective environment.
Every P2P online lending platform built by HES has a powerful workflow engine that automates all relevant paperwork. This means shorter turnaround time and cost-effective business processing.
Streamline all the borrowing and repayment transactions through platform wallets of both counterparties. The system keeps track of all wallet balances, freezes bid amounts in investors’ wallets, and transfers money to borrowers’ wallets once the project is fully funded. The interest revenue of each investor accumulates in their wallet and can be reinvested again never leaving the platform.
HES FinTech’s P2P software aligns with various businesses. Manage every aspect of consumer or business marketplace financing through a flexible technology solution. Due to its modular architecture, the platform can be customized to different business requirements and regulatory frameworks.
Under the hood, you get a holistic modular architecture that spans and automates the whole P2P lending process, from credit origination to risk assessment and collateral management.
The solution encompasses all critical activities needed to launch and run a profitable P2P platform.
HES offers integrations with 3rd party services for identity checks, KYC & AML, credit bureaus, digital signatures and more. The solution could be integrated with any infrastructure.
The combination of agile practices and continuous integration reduces the development life cycle. Catch the market window and bring the product to market as quickly as possible.