HES P2P lending software is not a plug-and-play solution. We offer a powerful technology backbone + 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.
Stream 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.