HES FinTech
HES FinTech provides modular lending software that automates the full loan lifecycle from digital onboarding and credit scoring to automated servicing and debt collection for financial institutions.
Loan Performer
Loan Performer is a specialized microfinance banking software designed to help you manage loans, savings, shares, and accounting within a single integrated platform for financial institutions.
Quick Comparison
| Feature | HES FinTech | Loan Performer |
|---|---|---|
| Website | hesfintech.com | loanperformer.com |
| Pricing Model | Custom | One_time |
| Starting Price | Custom Pricing | $99/month |
| FREE Trial | ✘ No free trial | ✓ 30 days free trial |
| Free Plan | ✘ No free plan | ✘ No free plan |
| Product Demo | ✓ Request demo here | ✓ Request demo here |
| Deployment | ||
| Integrations | ||
| Target Users | ||
| Target Industries | ||
| Customer Count | 0 | 0 |
| Founded Year | 2012 | 1998 |
| Headquarters | Vilnius, Lithuania | Kampala, Uganda |
Overview
HES FinTech
HES FinTech provides a modular platform designed to automate your entire lending operation. You can replace slow, manual processes with a digital ecosystem that handles everything from the initial customer application and automated credit scoring to loan disbursement and final repayment. The software is built to scale with your business, whether you are a startup neobank or an established commercial lender looking to modernize your tech stack.
You can customize the platform to fit specific lending products like consumer loans, mortgages, or SME financing. By using built-in AI scoring and automated decision engines, you reduce human error and speed up your time-to-market. The platform focuses on helping you lower operational costs while providing your borrowers with a frictionless, mobile-ready experience that keeps them coming back.
Loan Performer
Loan Performer is a comprehensive management information system built specifically for microfinance institutions, credit unions, and SACCOs. You can automate your entire operational workflow, from initial client registration and loan application processing to complex interest calculations and regulatory reporting. The software helps you maintain tight control over your portfolio by tracking repayments in real-time and generating automated delinquency alerts to minimize financial risk.
You can choose between local desktop installations or cloud-based deployment depending on your infrastructure needs. The platform supports multi-currency transactions and multi-language interfaces, making it a flexible choice if you operate across different regions. By integrating your front-office banking activities with back-office accounting, you eliminate manual data entry and ensure your financial statements always reflect your current portfolio status.
Overview
HES FinTech Features
- Digital Onboarding Create seamless application flows for your customers with mobile-friendly web portals that capture data and documents instantly.
- GiniMachine AI Scoring Make faster, more accurate lending decisions by using advanced machine learning models to predict borrower risk in real-time.
- Loan Servicing Engine Automate your daily operations including interest calculations, payment scheduling, and automated notifications to keep your portfolio healthy.
- Debt Collection Module Manage overdue accounts effectively with automated reminders and a structured workflow for your recovery teams to minimize losses.
- Back-Office Management Give your team a centralized dashboard to review applications, manage user roles, and generate detailed financial reports.
- Document Automation Generate loan agreements and certificates automatically using custom templates to save time and ensure legal compliance.
Loan Performer Features
- Loan Portfolio Management. Track every stage of the loan lifecycle from application to final payout with automated interest and penalty calculations.
- Savings and Shares. Manage member savings accounts and share capital easily while calculating dividends and interest based on your specific rules.
- Integrated General Ledger. Automatically post all your banking transactions to the accounting module to keep your balance sheets accurate and up-to-date.
- Mobile Money Integration. Connect your system to mobile payment providers so your clients can deposit savings or repay loans directly from their phones.
- Regulatory Reporting. Generate standard central bank reports and internal financial statements with a few clicks to stay compliant with local laws.
- Biometric Identification. Secure your client transactions using fingerprint scanning to prevent identity fraud and ensure only authorized users access accounts.
Pricing Comparison
HES FinTech Pricing
Loan Performer Pricing
- Full module access
- Single concurrent user
- Local database support
- Standard reporting tools
- Email technical support
- Everything in Single User, plus:
- Multiple concurrent users
- Wide Area Network support
- Branch synchronization
- SQL Server database support
Pros & Cons
HES FinTech
Pros
- Modular architecture allows you to buy only what you need
- Highly customizable workflows adapt to unique local lending regulations
- Strong AI-driven credit scoring improves your portfolio quality
- Responsive technical support helps you through the implementation phase
Cons
- Custom implementation process requires significant initial time investment
- Lack of transparent public pricing makes budget planning difficult
- Learning curve exists for staff managing the complex back-office
Loan Performer
Pros
- Extremely detailed functionality tailored for microfinance
- Strong compliance with international accounting standards
- Works reliably in areas with low internet connectivity
- Supports a wide variety of loan products
Cons
- Interface feels dated compared to modern web apps
- Initial configuration requires significant technical expertise
- Steep learning curve for non-technical staff