Peer-to-Peer Lending Software

White-label P2P lending software for borrower-investor matchmaking. End-to-end automation. Implementation in 3-4 months. Fully customizable.
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Customization
Matching Engine
Risk Assessment
Automation
Electronic Wallets

Customization

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.

Matching Engine

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.

Risk Assessment

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.

Automation

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.

Electronic Wallets

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.

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P2P Finance Software

Statistics
Calculation Engine
Matchmaking
P2P Lending Platform Interface
Statistics
Peer-to-Peer Dashboard
Calculation Engine
P2P Calculation Engine
Matchmaking
Matchmaking

Peer-to-Peer Marketplace Software

HES brings a level of software intelligence and human expertise. As an all-in-one marketplace solution, it provides the following benefits
60%
reduction in operating costs
100%
solution flexibility and robustness
35%
increase in efficiency
50%
reduction in time to fund
Why P2P Online Lending Platform by HES Fintech

Solution Flexibility

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.

Modular Architecture

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.

Rich Integration Capabilities

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.

Going Fast to Market

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.

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