HES Fintech

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Overview

$50,000+

Min Project Size

$50 - $99/hr

Avg Hourly Rate

50 - 249

Employees

2012

Year Founded

ABOUT HES FINTECH

Lending Software for Banks & Alternative Lenders

HES FinTech offers cutting-edge lending software solutions for banks, alternative lenders, and fintech companies globally. Since its inception in 2012, HES FinTech has enabled businesses to optimize operations, lower expenses, and grow effectively through tailored, comprehensive lending platforms. Why choose HES FinTech? Our mission is to be the preferred partner for financial institutions in need of trustworthy lending platforms. Our vision is to create a lending environment that is secure, automated, dependable, data-centric, and ethical for banks, alternative lenders, and fintech entities around the world.

LANGUAGES SPOKEN

EnglishMaltese

HIGHLIGHTS

$50,000+

Min Project Size

$50 - $99/hr

Avg Hourly Rate

50 - 249

Employees

2012

Year Founded

Services

Focus

Industries

Clients

Services Provided

35% Custom Web Application Development

25% API Development & Integration

15% Backend Development

15% Frontend Development

10% SaaS Product Development

50% Machine Learning Model Development

30% AI Strategy & Roadmap Consulting

20% Generative AI

About the Team

OUR STORY

Founded in Lithuania in 2012 to modernize lending through automation, the company has grown to achieve a global presence with clients such as ID Finance. Over the years, it developed GiniMachine in 2016, an AI platform for credit scoring, earning nominations for innovation. Expansion continued across Europe, Asia, and the Middle East by 2020, including partnerships with significant financial institutions. The company earned ISO/IEC 27001 certification in 2021, emphasizing its commitment to data security. They launched HES LoanBox in 2022, a digital lending platform with AI credit scoring and rapid deployment. By 2026, they introduced HES Collection Agent, an AI-driven platform for debt collection. Strategic collaborations and participation in prominent fintech events highlight their dedication to advancing financial technology globally.

Portfolio

A Consumer Lending System for Fast-Growing Fintech

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Founded in 2012, MoneyMan is a short-term online lending service that is part of the ID Finance Group. Over the years, it has significantly influenced the lending landscape, especially in areas where access to traditional financial services is limited. As a prominent brand within ID Finance, a fintech company established in 2015, MoneyMan operates across several countries, including Spain, Mexico, and Brazil, catering to a substantial demand for accessible credit. To manage its operations, MoneyMan required a comprehensive and flexible solution to automate the entire microfinance lending process and its operational procedures. This system needed to support high-performance scoring models that could operate in real-time around the clock. HES FinTech responded by delivering a customized lending platform to ID Finance, meeting their requirements for automation, scalability, and enhanced risk management. As a result, by 2024, ID Finance had over 3 million users globally, adding 40,000 new customers each week. To keep pace with this rapid expansion, the fintech company needed a scalable and adaptable solution to ensure secure and efficient loan processing while effectively managing risk in emerging markets, where data may be less structured.

An Agricultural Finance Platform

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WayFina is a provider of fertilizers and agricultural products, mainly catering to farmers and small to medium enterprises in African markets. Aware of the financial barriers that prevent many African farmers from obtaining vital agricultural inputs, WayFina launched a "Grow Now, Pay Later" program. This initiative allows farmers to purchase fertilizers with payment deferred until after the harvest. Traditionally, WayFina's business model required farmers to pay for fertilizers upfront through dealer networks, making it difficult for many to afford due to initial costs and logistical issues. The company aimed to shift towards a direct-to-farmer distribution model that would offer more flexible payment options, making fertilizers more accessible and affordable. To tackle these issues, WayFina partnered with HES FinTech to utilize HES LoanBox, a customizable lending platform specifically designed for the agricultural sector. This partnership transformed the dealer-based prepayment system into a direct-to-farmer model, significantly lowering costs and enhancing accessibility. The "Grow Now, Pay Later" initiative was incorporated into the platform, providing farmers the opportunity to buy fertilizers on credit and pay after the harvest. The introduction of HES LoanBox is set to significantly enhance agricultural finance and food security in Zambia. By allowing farmers to access fertilizers without upfront payments, the program addresses a major challenge in the region. In addition to its benefits for food security, the solution empowers farmers and micro, small, and medium enterprises, which are essential to Zambia's agricultural economy. By providing affordable financing, HES LoanBox allows farmers to optimize their operations, invest in improved practices, and better their livelihoods.

An End-to-End SME Lending Platform

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Challenge Wa’ed assists companies in tackling significant issues such as housing, climate change, food security, and financing for small and medium-sized enterprises (SMEs), fostering innovation through investments and guidance. They sought a loan management system to optimize their operations and improve scalability. Approach HES FinTech began the project with a thorough business analysis to gain a complete understanding of Wa’ed's needs and the challenges within the market. This analysis informed the development process, enabling the team to create a tailored solution aligned with Wa’ed’s objectives. The primary aim was to establish a fully automated lending system that would streamline procedures, boost scalability, and shorten decision-making times. Result The HES LoanBox platform enables borrowers to register and apply for loans online, view their application and loan details, and receive funds in their bank accounts within five minutes. This solution manages the entire loan application process from start to repayment. Thanks to HES FinTech’s solution, Wa’ed has been able to grow its operations and extend loans to an expanding customer base. Consequently, Wa’ed has positioned itself as a leading commercial lender in Saudi Arabia, known for its attractive interest rates and rapid application processing.

12 more projects

Projects & Clients

Project Size & Rate

Minimum Project Size

$50,000+

Average Hourly Rate

$50 - $99/hr

Pricing Snapshot

Min Project Size

$50,000+

Avg Hourly Rate

$50 - $99/hr

Cost Rating

N/A

What Clients Have Said

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"HES Fintech delivers quality projects within budget and timeline expectations based on verified client feedback."

Based on verified reviews and internal benchmark data

MOST COMMON PROJECT SIZE

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Custom Web Application Development

API Development & Integration

Backend Development

Frontend Development

SaaS Product Development

Machine Learning Model Development

AI Strategy & Roadmap Consulting

Generative AI

Industry Recognitions

HES FinTech Reviews

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Locations

Headquarters

Konstitucijos pr. 21B

Vilnius, Lithuania 08130

+13476328900

Headquarters

1201N Orange Street United States 19801

Orange Street 19801

+13476328900

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