TurnKey Lender vs HES FinTech: Features, Coverage and Pricing Compared (2026)
Updated November 13, 2026 · Reviewed by Benjamin Margolis
TurnKey Lender and HES FinTech both sell lending software that covers a loan from application to collections, with AI credit scoring built in. TurnKey Lender, based in Austin, has more than 200 clients in more than 50 countries and editions for consumer, commercial, and buy now, pay later lending. HES FinTech, based in Vilnius and owned by its founders, has completed 160 projects in more than 30 countries and pairs its LoanBox platform with GiniMachine scoring models trained on the lender’s own loan history. Both quote their prices.
Our analysts compared the two on November 13, 2026, using each company's own product, pricing, and company pages and our full reviews of TurnKey Lender and HES FinTech.
Choose TurnKey Lender if
- you want one vendor for the full loan lifecycle in the US market
- you want ready-made editions for consumer, commercial, or BNPL lending
- you value an IDC MarketScape Leader rating
Choose HES FinTech if
- you want scoring models trained on your own loan history
- you want a three- to four-month launch
- you lend in Europe, the Middle East, or Asia
TurnKey Lender scores 74 and HES FinTech scores 73 in our ratings. TurnKey Lender suits lenders that want ready-made editions and a large US client base. HES FinTech suits lenders that want custom scoring models and a packaged launch in a few months.
Key Features Compared
TurnKey Lender vs HES FinTech at a Glance, November 2026
| Feature |  TurnKey Lender |  HES FinTech |
|---|---|---|
| Ratings | ||
| Fintech Index score | 74 / 100Higher score | 73 / 100 |
| Overview | ||
| What it is | Austin lending software company whose cloud platform automates origination, underwriting, servicing, and collections for banks, credit unions, and non-bank lenders in more than 50 countries | 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, credit unions, fintechs, and brands running their own lending programs; more than 200 clients | Banks, credit unions, microfinance institutions, and consumer and SME lenders |
| Main products | Loan origination, AI credit scoring and decisioning, servicing and payments, collections, and reporting | HES LoanBox for onboarding, underwriting, servicing, collections, and reporting; GiniMachine AI credit scoring |
| Where it operates | More than 50 countries, from Austin | More than 30 countries, from Vilnius |
| Products and features | ||
| Built-in credit scoring | AI scorecards included | GiniMachine models trained on the lender's dataModels trained on the lender’s data |
| Main job | Full loan lifecycle | Packaged lending platform |
| Pricing | ||
| How pricing works | Quoted by edition and modules | Quoted by modules |
| Published prices | Quote only | 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 | APIs and integrations | APIs for integration |
| Integrations and partners | Credit bureaus, payment providers, and banking systems | Payments partners such as VoPay in Canada, bureaus, and core systems |
| Onboarding and support | Implementation and support teams from TurnKey Lender | Delivery team with a three- to four-month launch |
| Company | ||
| Founded | 2014 | 2012 |
| Headquarters | Austin, Texas, United States | Vilnius, Lithuania, with a US company in Wilmington, Delaware |
| Ownership | Private lending automation software | Private lending software |
| Funding | More than $12M in disclosed rounds led by Vertex Ventures, DEG, and OTB Ventures, plus a 2025 growth investment led by Sundance Growth | No outside funding; run by its founders since 2012 |
| Key leader | David Lintz | Ivan Kovalenko |
| Scale | More than 200 clients; rated a Leader by IDC MarketScape in 2023 and 2024 | 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. TurnKey Lender scores 74 and HES FinTech scores 73.
Criterion Scores Out of 100
Key Differences Between TurnKey Lender and HES FinTech
Scoring
TurnKey Lender ships AI scorecards a lender can tune. HES FinTech builds GiniMachine models from the lender’s own repayment history.
Launch
TurnKey Lender sells configured editions for consumer, commercial, and BNPL lending. HES FinTech quotes a three- to four-month launch for HES LoanBox.
Ownership
TurnKey Lender is backed by Sundance Growth, DEG, and OTB Ventures, with David Lintz as chief executive since early 2026. HES FinTech has no outside investors and is run by its founders.
Pros and Cons
TurnKey Lender
Pros
- One vendor for origination through collections
- Built-in AI scoring and decisioning
- Editions for consumer, commercial, and BNPL lending
Cons
- No posted prices
- Less suited to teams that want to code their own core
- New chief executive since early 2026
HES FinTech
Pros
- Three- to four-month launch
- AI scoring trained on the lender's own loan history
- Wide range of lender types and countries
Cons
- No posted prices
- Smaller US presence
- Less suited to teams that want a developer framework
Who Each Is Best For
TurnKey Lender
A bank, credit union, or non-bank lender that wants origination, decisioning, servicing, and collections on one configurable cloud platform.
HES FinTech
A bank, credit union, or alternative lender that wants a ready-made lending platform it can launch in a few months, with AI credit scoring built in.
Alternatives to TurnKey Lender and HES FinTech
These companies, all reviewed and rated on The Fintech Index, cover some of the same ground as TurnKey Lender and HES FinTech.
Other Lending Software Companies
| Company | Score | Best for | Comparisons |
|---|---|---|---|
| TIMVERO | 77 | Lenders with bespoke products that want code-level control and posted prices | TIMVERO vs TurnKey Lender |
| LoanPro | 74 | Lenders that want an API servicing core with payments | None yet |
| Lendsqr | 76 | Small lenders that want to launch quickly at a low, posted price | Lendsqr vs HES FinTech |
Frequently Asked Questions
Does either publish prices?
No. Both quote by edition or modules.
Which has more clients?
TurnKey Lender has more than 200 clients in more than 50 countries. HES FinTech has completed 160 projects in more than 30 countries.
Do both include credit scoring?
Yes. TurnKey Lender includes AI scorecards, and HES FinTech includes GiniMachine.
Sources
- The Fintech Index analysis of TurnKey Lender and HES FinTech, conducted November 2026 (As of November 13, 2026)
- TurnKey Lender homepage: https://www.turnkey-lender.com/ (As of November 13, 2026)
- TurnKey Lender about page: https://www.turnkey-lender.com/about-us/ (As of November 13, 2026)
- TurnKey Lender funding history: https://www.turnkey-lender.com/news/turnkey-lender-funding-journey/ (As of November 13, 2026)
- TurnKey Lender Sundance Growth announcement, August 2025: https://www.turnkey-lender.com/news/turnkey-lender-investment-sundance-growth/ (As of November 13, 2026)
- HES FinTech homepage: https://hesfintech.com/ (As of November 13, 2026)
- HES FinTech about page: https://hesfintech.com/about-hes/ (As of November 13, 2026)
- HES FinTech clients page: https://hesfintech.com/clients/ (As of November 13, 2026)
- HES FinTech interview with Ivan Kovalenko: https://hesfintech.com/blog/ivan-kovalenko-of-hes-fintech-alternative-lending-ai-for-finance-and-fintech-trends/ (As of November 13, 2026)
- Tracxn, HES FinTech profile: https://tracxn.com/d/companies/hes-fintech/__cRqYjbj-s9LNUltAoasxJKfhi84zP33T7tbsPeSA4ck (As of November 13, 2026)