Full-scale automation of the lending process for banks and fintechs.
Consumer lending
P2P & POS
Commercial lending
#1 Lending Platform
HES software provides a comprehensive environment for lenders of all sizes. Cover
all aspects of lending — origination, underwriting, accounting, collateral, product management,
reporting — and make loan management a breeze. Reduce traditional complexity, streamline back-office
operations and grow
5x faster than those on competitive platforms.
GiniMachine — Fighting bad loans with AI
Utilize Machine Learning and Artificial Intelligence to build credit scoring models for both
consumer and business lending.
Build a Model
GiniMachine needs a dataset of at least 1,000 previously issued loans with repaid or
overdue status. Without the need for preliminary analysis, the system automatically
builds a model using your loan portfolio history.
Validate & Verify
Every time the model is built, GiniMachine automatically generates a detailed validation
report. You get full information about the quality of the model: the Gini Index,
attributes importance, performance indicators, etc.
Deploy a Model
When the model is built and validated, it can be instantly integrated into your credit
scoring process. Deploy it either in the cloud or set up on your own premises via a
simple REST API.

Why HES Lending Software?
HES solutions are used by lenders worldwide to better manage the loan lifecycle, save time,
streamline internal workflow and reduce costs.
Customization & Development
Each lender has a unique set of objectives, requirements, and a vision for their lending
platform. HES gives you the utmost flexibility to customize and extend our tailor-made software.
All you need to do is take the backbone of the platform, and create a custom lending solution
that perfectly fits your business needs. You can adapt fast, and go live in just 90 days!
Dynamic and highly customizable modular architecture.
Configurable workflow to improve process efficiency.
Extensive integrations with over 100 best-in-class 3rd parties.
Flexible product engine features and parameters.
Integration Partners:
Discover how HES can help you
If you have any questions or would like to schedule a demo, feel free
to contact us and we'll get back to you right away.