Have your working capital finance software customized and running within 3 months
Borrower portal + Apps
Automated disbursement and calculations
Credit lines and revolving loans support
AI borrower evaluation and scoring
Constant security updates
Lifelong customer support
Keep your business thriving and secured
Cross-channel KYB & AML verification. Reduce fraud risks and protect your business from financial crime with off-the-shelf corporate working capital finance solution. HES software can smoothly integrate with KYB/AML systems, PEP lists, blacklists, and debarred company lists to ensure rock-solid security.
E-sign your documents online
Simplify your document management process with an easy-to-use e-signature feature for both your team and the borrower. HES working capital finance software eliminates paperwork and allows easy sharing and storing of sensitive data in a fully digital and secure environment.
Create credit lines in just a few clicks
Leverage the power to create flexible credit lines that work for you and your clients. Harness the power of working capital loan software to save time when setting up credit limits, interest rates, and payment terms. Corporate working capital finance software comes with automated borrower inquiry scoring, invoice estimation & debtor underwriting.
Flexible digital transactions
Automate your credit disbursement process with ease and precision. Seamlessly manage direct debits and other financial operations and set up disbursement rules based on payment data, ensuring a seamless and error-free process.
Powerful product engine
Our product engine is the ultimate tool for creating custom credit products. With multiple calculation options available, you can design a flexible loan product that fits your business and clients like a glove.
For any financial institution
Flexible deferred payment options
HES end-to-end SME working capital finance software offers a range of customizable payment terms, allowing you to extend payment periods up to 180 days. The platform lets you quickly and easily customize the ideal deferred payment plan for your customer business needs, thus providing more control and flexibility.
Multifaceted asset-based lending
Provide balance sheer assets financing to enable a flexible source of working capital. Offer revolving credit lines and secure term loans, with advance rates determined based on key factors like collection history, asset liquidation values, management comfort, and overall financial health. Tailor lending solutions to support the refinancing of long-term assets, funding capital expenditures, procuring equipment or real estate, or facilitating long-term asset amortization.
Full-cycle invoice financing
Enable SMEs to access flexible working capital by financing accounts receivable. Tailor the percentage of the invoice value to meet their specific business requirements and help them stay in control of their cash flow. Deliver an all-inclusive lending process from start to finish, including customer onboarding, loan origination, decision-making, disbursement, calculation, and loan closure.
faster credit decisions
Implement a smart scoring system
AI/ML-fueled credit scoring
Easy-to-use GiniMachine can be integrated into HES Core solution to revolutionize credit scoring with its smart and secure AI-based system. Get accurate predictive models and transparent decision-making with no coding knowledge needed. Automate model building and validation, set optimal thresholds, and score new applications with ease.
Robust task management
Stay on top of your team’s progress with the HES task management tool. An intuitive dashboard interface provides easy access to task lists assigned to each team member based on their respective roles. Ensure your team stays on track and your tasks are completed on time.
Custom reports and dashboards
Access all your crucial business data in one place with customized dashboards and reports. Gain a comprehensive understanding of your metrics with clear and concise visualizations that are easy to read, import, and export.
HES software is available both in-cloud and on-premises and is ISO/IEC 27001 certified. We use the latest Java LTS and Spring Framework for development and PostgreSQL for data storage. With Terraform, we make it easy to manage infrastructure as code.