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A Lithuanian and US lending platform covering applications, underwriting, servicing and collections, with the widest published list of loan types in this edition.
HES FinTech scores 3.6 out of 5 (72 out of 100) in the Buckingham Intelligence Lending Platforms Index 2026 and ranks 1 of 13. It is strongest for lenders wanting end-to-end software they can host themselves, with 5 out of 5 for lifecycle coverage, loan types and hosting and data. Not published or not stated on the pages read: pricing, security and integration and launch.
Scores from the Lending Platforms Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For banks and credit unions | 84 | 1 of 13 |
| For non-bank and fintech lenders | 73 | 1 of 13 |
| For small and specialist lenders | 60 | 3 of 13 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Lenders wanting end-to-end software they can host themselves.
What HES FinTech publishes on its own pages, read on 26 October 2026.
A Lithuanian and US lending platform covering applications, underwriting, servicing and collections, with the widest published list of loan types in this edition. It publishes ISO 27001 and SOC 2 on its security page and lets lenders choose cloud, on-premise or hybrid hosting. It describes its pricing model but publishes no figures.
| Fact | What the provider publishes |
|---|---|
| Lifecycle | "Help your lending team process more loans by automating loan origination, servicing, and decisioning processes"; collections module scores overdue accounts "by likelihood of recovery". |
| Loan types | Individuals: "personal loans, consumer loans, auto finance, BNPL, microfinance, P2P lending". Business: "SME loans, bank lending, Merchant Cash Advance, working capital finance, leasing, Islamic finance, and trade finance". |
| Pricing | "There is no pay-as-you-grow pricing: a one-time setup fee is followed by recurring charges based only on usage." No figures published. |
| Integration | "Credit teams tune the logic in the no-code builder, no developer needed"; ready-made APIs and connectors; white-label borrower portal. |
| Security | Security page: "ISO 27001 Certified" and "SOC 2 Certified"; SOC 2 report type not stated. |
| Hosting | "Choose your deployment (cloud, on-premise, or hybrid)"; cloud options listed as "AWS, Microsoft Azure, GCP, IBM Cloud"; optional code licence. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: hesfintech.com, hesfintech.com/security.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Lending Platforms Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Mambu | 3.5 | 2 of 13 | Banks and lenders wanting cloud choice and a wide product range |
| Lendsqr | 3.4 | 3 of 13 | Small lenders wanting published prices and a same-day start |
| TIMVERO | 3.2 | 4 of 13 | Lenders that must keep borrower data in their own cloud |
| TurnKey Lender | 3.2 | 5 of 13 | Lenders wanting full lifecycle software with strong security credentials |
| Bryt Software | 3.1 | 6 of 13 | Small and private lenders wanting low published prices |
| Lentra | 3.1 | 7 of 13 | Banks in India and Asia wanting origination and servicing with strong certificates |
| LoanPro | 3.1 | 8 of 13 | Fintech and consumer lenders running many credit products |
| Peach Finance | 2.8 | 9 of 13 | Fintech lenders adding cards and buy now pay later to instalment loans |
| M2P Core Lending Suite (Finflux) | 2.6 | 10 of 13 | Lenders in India and Asia wanting one stack with a fast launch |
| MeridianLink | 2.5 | 11 of 13 | US banks and credit unions wanting consumer and mortgage origination |
| nCino | 2.4 | 12 of 13 | Banks wanting origination with the strongest audit record |
| Canopy Servicing | 1.9 | 13 of 13 | Business lenders running revolving and hybrid credit products |
Side by side on every criterion, fact and award.
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