HES FinTech

What HES FinTech does

HES FinTech is a Lithuania-based, privately held SaaS company founded in 2012 that sells end-to-end loan management software to banks, alternative lenders, and fintechs across 30+ countries. Its flagship product is HES LoanBox, a modular, cloud-native lending platform built on Java LTS with a Camunda BPMN 2.0 workflow engine and Form.io modeler, supporting cloud, on-premise, and hybrid deployments with 100+ pre-built API integrations. The platform covers the full lending lifecycle — loan origination, credit decisioning, servicing, and debt collection — and ships dedicated editions for consumer lending, auto finance, BNPL, microfinance, mortgage, POS lending, SME, commercial, Islamic, and P2P credit.

The product family extends beyond LoanBox to include GiniMachine (a standalone AI credit-scoring and portfolio risk platform with self-learning models), HES Collection Agent (an AI debt-collection suite for automated debtor scoring and outreach), and sub-products for the borrower portal and back-office operations. The technology stack is API-first and prioritizes configurability: a no-code product engine lets lenders define new credit products without engineering effort, while an optional source-code license addresses data-sovereignty concerns from regulated bank buyers. The platform is ISO/IEC 27001:2022 certified and SOC 2 Type II certified, with compliance footprints covering GDPR, CCPA, PIPEDA, UK DPA, and Saudi PDPL.

HES FinTech earns revenue through annual SaaS subscriptions (with usage-based add-ons), one-time code licenses, modular API/microservice add-ons, and professional services for implementation, business analysis, and custom integration. Implementation timelines range from 8 weeks for off-the-shelf deployments to 12 months for enterprise-tier integrations. The go-to-market combines direct enterprise sales, a formal channel-partner program with up to 50% commission, content/SEO, industry-event presence (Money20/20, LEAP, London Tech Week, Seamless Dubai), and a self-serve LMS Development Estimator tool for SMB demand capture. The company operates from Vilnius (HQ) and a US office in Wilmington, Delaware opened in 2025, and has a publicly disclosed roster of 15+ enterprise case studies spanning 30+ countries including ID Finance, Wa'ed (Saudi Aramco), Idea Bank, Tavan Bogd Finance, and ALM Securities.

Name

HES FinTech

Legal name

HES FINTECH LLC

Website

https://hesfintech.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Short description

HES FinTech is a Lithuania-based SaaS company that provides end-to-end loan management software — including its HES LoanBox platform, GiniMachine AI credit scoring, and HES Collection Agent — to banks, fintechs, and alternative lenders across more than 30 countries.

Ownership category

akta.pro rank

Product category

Loan Management Software

NAICS

Software Publishers (5132), Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro primary industry

Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)

akta.pro secondary industries

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Underwriting Automation & Income/Employment Verification (FSAGAHAD), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Loan management software
• Lending automation platform
• Credit decisioning software
• Debt collection software
• BNPL lending solutions

Headquarters

HQ city

Vilnius

HQ country

Lithuania

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS/Platform Subscription: HES LoanBox is offered as a subscription-based platform with yearly or quarterly billing options. Clients choose between cloud deployment (faster implementation, lower upfront cost) or on-premise/hybrid deployment (for data sovereignty requirements). The pricing is tiered based on features and functionality, with three pricing plans tailored to specific needs.
2. One-Time Platform License with Usage Fees: For enterprises requiring data sovereignty and enhanced security, HES offers a code license option (developer license) that eliminates vendor lock-in and provides full ownership of the technical roadmap. This is accompanied by recurring charges based on usage rather than pay-as-you-grow pricing.
3. Professional Services (Implementation & Customization): Implementation services covering business analysis, platform configuration, workflow customization, data migration, integration with third-party services, and team training. Costs are managed through an optional fixed-price model with up to 95% accuracy estimates. Implementation timelines range from 8 weeks (out-of-box) to 12 months (enterprise-level).
4. API and Microservice Add-ons: Clients can add specific APIs, integrations, CMS connections, or individual microservices to their core platform. These are priced as modular add-ons beyond the base subscription, allowing clients to pay only for functionality they need.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

HES FinTech sells an end-to-end, modular lending software platform — HES LoanBox — that covers the full loan lifecycle (origination, underwriting, servicing, collections) for banks, alternative lenders, and fintechs. It is sold alongside GiniMachine, an AI credit scoring and decisioning product, and HES Collection Agent, an AI debt collection platform, with deployment via cloud, on-premise, or hybrid and 100+ pre-built integrations. Revenue is generated through SaaS subscriptions, a code-license option with usage-based fees, and fixed-price implementation services.

Product overview

HES FinTech offers a modular platform architecture centered on HES LoanBox as the core all-in-one lending software, supplemented by specialized AI add-on modules and customer-facing sub-products. HES LoanBox serves as the unified platform handling the full lending lifecycle—loan origination, credit decisioning, loan servicing, and debt collection—while GiniMachine provides AI-powered credit scoring and decision-making capabilities, and HES Collection Agent delivers AI-driven debt collection automation. The Borrower Portal and Back Office provide the customer-facing and internal operational interfaces respectively. Solution-specific editions cover POS lending and mortgage lending verticals. The platform supports cloud, on-premise, or hybrid deployment with 100+ pre-built integrations and an open API.

Differentiator

Problem solved

Functional benefit

Brands

• HES LoanBox: All-in-one lending software platform for end-to-end loan management from origination to collection.
• GiniMachine
• CollectionAgent

Products and services

• HES LoanBox All-in-one end-to-end lending software platform covering the full loan lifecycle from application through origination, credit decisioning, servicing, and debt collection. Built with modular architecture supporting cloud, on-premise, or hybrid deployment, with customization options and 100+ pre-built integrations. Sold to banks, alternative lenders, fintechs, microfinance institutions, and BNPL providers.
• GiniMachine AI decision-making platform providing automated credit scoring and loan decisioning for financial institutions and fintechs. Uses self-learning models that analyze hundreds of data points to deliver real-time credit scores, refining predictions continuously based on repayment outcomes. Sold as a standalone product at ginimachine.com and also integrated natively with HES LoanBox.
• HES Collection Agent AI-driven debt collection platform automating debtor scoring, collection decisioning, and full lifecycle management. Targets financial institutions and collection agencies with compliant AI strategies that optimize every interaction across channels while preserving customer relationships.
• POS Lending Software Point-of-sale installment lending solution for fintech lenders, banks, and retail finance companies. Covers merchant onboarding, checkout financing, real-time affordability checks, installment product configuration, and full post-origination servicing and collections for multi-merchant retail operations.
• Mortgage Lending Software Digital mortgage solution covering loan origination and servicing with AI-driven affordability assessment, property risk evaluation, automated underwriting, document collection workflows, and compliance checks. Includes broker and agent portals for partner network management.
• Digital transformation consulting Consulting services helping financial institutions modernize legacy lending processes through automation, workflow redesign, and platform strategy. Pairs with the HES LoanBox deployment and is sold alongside implementation services to banks, lenders, and fintechs.
• Lending software development Custom lending software development services covering business analysis, platform configuration, workflow customization, data migration, integration with third-party services, and team training. Offered on a fixed-price model with up to 95% estimate accuracy and implementation timelines from 8 weeks (out-of-box) to 12 months (enterprise-level).

Quantifiable outcome

• 45% lower operating costs
• +20 more outcomes

Named customers15 records

Segments9 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

AI capability9 records

Feature11 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Zūm RailscoreTechnology or Integration · 31 October 2025All-in-one platform unifying payments, open banking, and BaaS to simplify finances and unlock opportunities. HES FinTech and Zūm Rails partnered to expand card programs and enable faster, scalable financial technology solutions across North America. The collaboration focuses on connecting lenders and borrowers through prepaid and secured credit card issuance, enhancing operational efficiency and opening new monetization opportunities.
• Acquired.comcoreTechnology or IntegrationPayments infrastructure specialist providing API-driven payment processing that connects lending platforms with banking and payment systems. HES FinTech expanded its partnership with Acquired.com in 2026 to integrate Commercial Variable Recurring Payments (cVRPs) powered by Visa A2A into the HES LoanBox platform, enabling real-time bank-to-bank transactions via Faster Payments with pre-transaction Confirmation of Funds checks for HES LoanBox clients.
• VoPaycoreTechnology or IntegrationRobust payment processing via API that seamlessly connects lenders to the banking and payments ecosystem. VoPay enables automated disbursements and repayments for Canadian lenders. HES FinTech partnered with VoPay in 2022 to bring real-time payments to Canadian lenders, and VoPay was used in the Canadian BNPL lender case study for payment processing automation.
• OndatocoreTechnology or IntegrationIdentity verification and KYC compliance platform offering identity verification, business onboarding, client lifecycle, and user-based management. Ondato simplifies KYC compliance for HES LoanBox clients with seamless integration into the lending workflow.
• JumiocoreTechnology or IntegrationIdentity verification, eKYC and AML solutions that fight fraud and other financial crimes, maintain compliance, and onboard good customers faster. Jumio provides AI-powered identity verification integrated into HES LoanBox's KYC workflows.
• NordigencoreTechnology or IntegrationOpen banking connectivity provider offering a secure, single API solution for seamless integration with 2,500+ major banks across Europe. HES FinTech partnered with Nordigen in 2020 to accelerate open banking adoption in Europe, improving payment flows and financial data integration for HES LoanBox clients.
• CreditInfocoreTechnology or IntegrationEstablished credit bureau network with 30+ bureaus across continents. CreditInfo provides bank account verification and credit data integration for HES LoanBox clients, enabling access to credit histories and risk assessment data globally.
• Canadian Lenders Association (CLA)minorStrategic or Co-development PartnerHES FinTech joined the Canadian Lenders Association in 2020 to support digital lending transformation in Canada. CLA membership provides networking and advocacy access within the Canadian lending ecosystem.
• EDGEminorStrategic or Co-development PartnerExpanded strategic collaboration with EDGE (Alraedah Finance) in 2024 to drive open banking analytics and digital lending in the Middle East market.
• Alraedah FinanceminorStrategic or Co-development PartnerStrategic partnership to drive open banking analytics and digital lending in the Middle East region, expanding HES FinTech's presence in Saudi Arabia and wider MENA markets.
• GiniMachinecoreTechnology or IntegrationAI decision-making platform developed by HES FinTech for automated credit scoring and portfolio risk management. GiniMachine is a companion product to HES LoanBox, integrated natively for AI-powered lending decisions and self-learning scoring models. Available as a standalone product at ginimachine.com.
• Raiffeisen Bank International (Elevator Lab)minorStrategic or Co-development PartnerHES FinTech was selected for the Elevator Lab accelerator by Raiffeisen Bank International in 2020, recognizing its innovation and future potential in digital finance. The accelerator provided mentorship and market access within the European banking ecosystem.

Scale indicators43 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Blend: US-based lending infrastructure software platform offering consumer banking, mortgage, and small business lending workflows. Comparable to HES FinTech as both provide end-to-end digital lending platforms targeting banks and fintechs, though Blend is more US-centric and consumer/mortgage focused.
• nCino: Cloud banking platform providing loan origination, account opening, and customer onboarding for financial institutions globally. Directly comparable to HES LoanBox in providing end-to-end commercial and consumer lending workflows on a unified cloud platform with deep configurability.
• LoanPro: Cloud-native loan servicing and origination platform for consumer, commercial, and specialty lenders. Closest direct competitor to HES LoanBox in the modern lending SaaS category, serving similar customer segments with API-first architecture and configurable workflows.
• Provenir: AI-powered risk analytics and decisioning platform for fintechs and banks, providing credit decisioning, fraud detection, and onboarding. Directly comparable to HES's GiniMachine offering for AI-driven credit decisioning, though Provenir is more focused on the risk decisioning layer versus end-to-end LMS.
• Zest AI: AI-driven credit underwriting platform serving lenders with machine learning models for fair and accurate credit decisions. Comparable to GiniMachine in providing AI credit scoring, but more specialized in US mortgage and consumer lending with deeper US credit bureau integrations.
• TurnKey Lender: AI-powered lending automation platform covering origination, decisioning, servicing, and collection for banks, credit unions, and fintechs. Direct competitor to HES LoanBox in the unified lending software category, targeting similar customer segments with configurable workflows.

Broad incumbents

• Temenos: Global banking software incumbent offering core banking, lending, wealth management, and payments platforms. Competes with HES in the lending module space but operates across a much broader banking technology portfolio with established tier-one bank relationships.
• Finastra: Large financial technology vendor providing lending, treasury, payments, and capital markets software to banks globally. Competes with HES in the lending software segment but offers a much broader suite with deeper incumbent bank relationships.
• FIS (Fidelity National Information Services): Global financial technology incumbent providing lending, banking, payments, and capital markets solutions to large financial institutions. Competes with HES in the lending software space but with a much larger portfolio and deeper relationships with tier-one banks.

Emerging players

• Mambu: Cloud-native core banking and lending platform serving neobanks, fintechs, and embedded finance providers. Comparable to HES in providing composable banking infrastructure with SaaS delivery, but focused more on core banking and BaaS rather than full loan lifecycle.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/hes-fintech
• Xx.com/hesfintech

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HES FinTech