Lendsqr vs HES FinTech: Features, Coverage and Pricing Compared (2026)

Key Features Compared

Lendsqr vs HES FinTech at a Glance, November 2026

Feature	Lendsqr	HES FinTech
Ratings
Fintech Index score	76 / 100Higher score	73 / 100
Overview
What it is	Lending-as-a-service platform that gives banks, fintechs, microfinance institutions, and digital lenders a loan management system, decision models, and lending APIs, with plans from free to $500 a month	Vilnius lending software company whose HES LoanBox platform and GiniMachine AI scoring help banks, credit unions, and fintechs launch and run loan products in more than 30 countries
Who uses it	Banks, fintechs, microfinance institutions, cooperatives, SME lenders, and employers; more than 7,000 lenders	Banks, credit unions, microfinance institutions, and consumer and SME lenders
Main products	Loan back office with product setup, decision models, disbursement, and collections, plus Adjutor lending APIs	HES LoanBox for onboarding, underwriting, servicing, collections, and reporting; GiniMachine AI credit scoring
Where it operates	Nigeria, Canada, Rwanda, the United States, Zambia, and other markets	More than 30 countries, from Vilnius
Products and features
Built-in credit scoring	Decision models and shared lender data	GiniMachine models trained on the lender's data
Main job	Low-cost loan management	Packaged lending platform
Pricing
How pricing works	Free $0; Pro $200 a month; Business $500 a month, plus a one-off setup fee; Enterprise on request	Quoted by modules
Published prices	Prices postedFree to $500 a month	Quote only
Technology and compliance
Regulation and licensing	Lending software; the lender holds its own licenses	Lending software; the lender holds its own licenses
App and platform	Adjutor lending APIs	APIs for integration
Integrations and partners	Bank and payment connections for disbursement and repayment	Payments partners such as VoPay in Canada, bureaus, and core systems
Onboarding and support	Self-serve setup, with enterprise support on request	Delivery team with a three- to four-month launch
Company
Founded	2018	2012
Headquarters	Nigeria, with lenders on four continents	Vilnius, Lithuania, with a US company in Wilmington, Delaware
Ownership	Private lending-as-a-service software	Private lending software
Funding	Approximately $1M in a 2022 pre-seed round from ABV Fund, Pave, Niche Capital, and Anavo Institute	No outside funding; run by its founders since 2012
Key leader	Adedeji Olowe	Ivan Kovalenko
Scale	More than 7,000 lenders; approximately 35 staff	160 projects completed; founder-owned with no outside funding

Fintech Index Scores Compared

We rate every company on eight criteria from 0 to 100, four tied to what buyers in its sector need and four shared by every company, and the rating is their average. Lendsqr scores 76 and HES FinTech scores 73.

Criterion Scores Out of 100

Key Differences Between Lendsqr and HES FinTech

Pricing

Lendsqr posts a Free plan at $0, Pro at $200 a month, and Business at $500 a month, each paid plan with a one-off setup fee. HES FinTech quotes by modules.

Setup

Lendsqr is self-serve, so a lender can open an account and set up products itself. HES FinTech runs a three- to four-month delivery project.

Customers

Lendsqr serves more than 7,000 lenders, many of them small. HES FinTech has completed 160 projects for banks, microfinance institutions, and consumer and SME lenders.

Pros and Cons

Who Each Is Best For

Alternatives to Lendsqr and HES FinTech

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Frequently Asked Questions