The Biz Core vs HES FinTech Comparison
When Australian lenders compare loan management software, specifically Biz Core vs. HES Fintech, it usually boils down to this: Biz Core is built specifically for Australian lenders to launch quickly. It comes with the features you need to manage the loan lifecycle from beginning to end, with dedicated, local support and no lock-in contract.
HES FinTech’s LoanBox is a global platform, one primarily built for the international market, then layered with Australia-specific configuration. But the platform takes about three months to implement, compared to a 4-6 week onboarding process with Biz Core, and requires a sales conversation before you know what it costs.
| Feature | Biz Core | HES FinTech (LoanBox) |
|---|---|---|
| Speed & Onboarding | ||
| Onboarding Timeframe (Time from sign-up to go-live) |
Generally 4-6 weeks, but can be as fast as 1–2 weeks for basic implementations. | Roughly 3 months for a standard Australian implementation. |
| Onboarding Fee (Cost to get up and running) |
POA | Not published – HES describes a licence fee plus custom builds as the only add-on, with specific figures only available via its online estimator or sales team. |
| Contract Lock-in (Contractual obligations post sign-up) |
None, standard for every client. | HES’s Australia page states customers can “own the code with no lock-in”, but the global platform materials suggest this ownership is tied to an optional developer licence. |
| Local Presence & Support | ||
| Company Base (Where the vendor is based) |
Australian-owned and operated. | Headquartered in Vilnius, Lithuania, with an office also in Wilmington, U.S. |
| Support (What’s included after go-live) |
Unlimited support at no charge, including a dedicated 2-week hypercare period after go-live. | Support described as “fluent in Australian lending and working in your timezone”; specific hours or response times aren’t published. |
| Business Analyst Engagement (Dedicated help during setup) |
Included at no extra charge. | Implementation guidance is offered; no defined BA role or hours are published |
| Australian Compliance & Payments | ||
| Regulatory Alignment (NCC, ASIC, responsible lending, CDR) |
Compliance copy and lending logic built natively around Australian SACC/MACC requirements | HES’s Australia page references CDR data, NCC hardship rules, ASIC-ready audit trails, AFCA dispute packs, and BNPL Credit Act obligations. |
| Payments & Direct Debit Processing (BECS/NPP/PayTo) |
Included as Biz Core has its own in-house Direct Debit licence. | BECS, NPP, and PayTo support are advertised natively. |
| Platform & Pricing Structure | ||
| Feature Inclusions (What’s included in the base platform) |
Unlimited workflows, borrower portal, borrower application form, hosting, full accounting ledgers, credit enquiry, ID verification, bank statement integration, Power BI reporting, e-signatures, and document packs – all included, no add-on fees | Core features are included in the LoanBox platform; complex, beyond-standard customisation is offered via a separate paid development service. |
| Commercial Structure (How you’re invoiced) |
One system, one support team, one invoice | Licence fee plus a variable custom-build cost, quoted individually. |
All HES FinTech claims reflect publicly available content on hesfintech.com and HES FinTech’s official LinkedIn page as of July 2026. Biz Core figures reflect Biz Core’s own published pricing and internal onboarding data.
Why Australian Lenders Choose Biz Core Over HES FinTech
For established Australian lenders of any size, the choice between Biz Core vs HES Fintech usually comes down to three factors: the speed to go live, how confident you are in your total cost, and who actually picks up the phone when something needs fixing. Biz Core is built to be the more straightforward choice on all three.
Go Live in Weeks, Not Months
For most clients, onboarding with Biz Core typically means going live within 4-6 weeks, with some straightforward implementations taking as little as 1–2 weeks. HES FinTech’s own Australia page cites “roughly 3 months” for a standard implementation. Every week you’re not live is a week of efficiency gains and revenue you’re not capturing.
Know Your Cost Before You Sign
Biz Core publishes its onboarding fee – from $2,500 – so you know your investment upfront. HES FinTech’s pricing is structured around a licence fee plus a custom-build add-on¹, but the actual figure isn’t published; you’ll need to run HES’s online estimator or speak to its sales team to get a number. With Biz Core, every feature – workflows, documents, borrower portal, hosting, reporting, e-signatures, and more – is included in that one figure, with no line-item add-ons to negotiate.
An Australian Team, Not a Timezone-Aligned One
Biz Core is Australian-owned and operated, with unlimited post-launch support and a dedicated two-week hypercare period built into every onboarding at no extra charge. HES FinTech is headquartered in Vilnius, Lithuania, and markets support that is “fluent in Australian lending and working in your timezone”. Though the commitment may be genuine, the reality is vastly different to working with a locally based team from day one.
One System, One Invoice – Not a Configuration Project
Biz Core is a true end-to-end platform across loan origination, servicing, payments, and reporting, delivered as a single system with every feature included upfront and no fragmented modules to license separately. HES FinTech’s LoanBox is a capable, configurable platform. By its own description, though, any deeper customisation beyond standard configuration requires a separate paid development service.
Frequently Asked Questions
How much faster is Biz Core to launch than HES FinTech?
Biz Core can get most clients live within just 4-6 weeks, with some straightforward implementations taking as little as 1–2 weeks to complete. HES FinTech's own site states that a standard implementation takes several times longer, at roughly three months.
Why is Biz Core’s pricing easier to plan around?
Our onboarding fee starts at $2,500, which includes every feature in our platform – you don’t have to factor in per-module or per-seat add-ons into your budget. HES FinTech's pricing includes an undisclosed licence fee, plus individually quoted, custom-built add-ons, so you'll need a sales conversation before knowing your total cost.
What makes Biz Core a true end-to-end lending solution?
Biz Core delivers true end-to-end capability by combining full loan lifecycle management and native payment processing into a single, off-the-shelf platform. We have eliminated the fragmentation of essential modules and extra vendor contracts by fully integrating online applications, bank statements, automated ID checks, electronic signatures, and collections workflows. From origination to full ledger-based accounting and Power BI reporting, everything is included in one system, on one invoice, and is fully backed by 100% local support.
See Why Australian Lenders Are Switching to Biz Core
Biz Core was built with the intent to become Australia’s premier loan management platform for non-bank lenders. A platform designed around one system, one support team, and one invoice. If you’re weighing Biz Core against HES FinTech or any other platform, we’re happy to walk you through a live demo and show you exactly what’s included before you sign anything.
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