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Head-to-head · Factoring Software

HES FinTech Factoring Software vs Aptic Factoring

  • Updated Oct 2026
  • Both researched from official sources
  • 6 checks side by side
Higher score HES FinTech Factoring Software #3 in Factoring Software 8.4/10 Pricing on request ✓ 5 of 5 features Contact HES FinTech
Aptic Factoring #4 in Factoring Software 8.1/10 Pricing on request ✓ 2 of 5 features Visit Aptic

HES FinTech Factoring Software leads on 3 checks, Aptic Factoring on 0, and 3 are even. Who comes out ahead on the 6 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreHES FinTech Factoring Software · 8.4/10
  • Most featuresHES FinTech Factoring Software · 5 of 5

HES FinTech Factoring Software scores higher on our rubric for factoring software: 8.4 against 8.1 out of 10; our editors rank them #3 and #4.

HES FinTech Factoring Software offers client onboarding; Aptic Factoring doesn't publish it. HES FinTech Factoring Software offers debtor onboarding; Aptic Factoring doesn't publish it. HES FinTech Factoring Software offers collections tracking; Aptic Factoring doesn't publish it.

HES FinTech Factoring Software is the better fit for mid-market and enterprise factoring teams. Aptic Factoring is the better fit for teams focused on factoring administration and risk.

  • HES FinTech Factoring Software fits best

    Mid-market and enterprise factoring teams

  • Aptic Factoring fits best

    Teams focused on factoring administration and risk

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.

Side by side

Feature HES FinTech Factoring Software 8.4/10 Visit ↗ Aptic Factoring 8.1/10 Visit ↗
At a glance
Editor score 8.4 8.1
Ranking #3 in Factoring Software #4 in Factoring Software
Best for Mid-market and enterprise factoring teams Teams focused on factoring administration and risk
Pricing model Paid Paid
Starting price Not published Not published
Free plan — —
Free trial — —
Deployment Cloud, Self-hosted Cloud
Platforms Web Web
Compliance SOC 2, ISO 27001, GDPR ISO 27001, GDPR
Built for Mid-market, Enterprise Small business, Mid-market, Enterprise
Features HES FinTech Factoring Software 5/5 · Aptic Factoring 2/5
Invoice funding workflow ✓ ✓
Client onboarding ✓ (best) Not published
Debtor onboarding ✓ (best) Not published
Advance & reserve management ✓ ✓
Collections tracking ✓ (best) Not published
Specs
Accounting integrations Not published Not published
Our review
Pros
  • Supports recourse, non-recourse, and other factoring configurations
  • Combines invoice checks, reserve management, reconciliation, and collections
  • Offers cloud and self-hosted deployment with configurable workflows
  • Supports receivables financing, invoice purchasing and reverse factoring
  • Configurable workflows cover credit terms, recourse and purchasing charges
  • Real-time factoring ledger tracks invoice lifecycles
Cons
  • Pricing is based on a license fee, with custom development charged separately
  • Requires contacting sales for pricing
  • No accounting system is named among the example integrations
  • Pricing requires contacting the vendor
  • Focused on factoring rather than broad financial operations
  • Client access and API capabilities center on factoring facilities and contracts
Our verdict

HES FinTech Factoring Software is a receivables finance platform for factoring companies, invoice discounters, and bank receivables teams. Its scope runs from client and debtor onboarding through invoice verification, facility origination,…

Read the review →

Aptic Factoring supports factoring providers and financial services businesses that need to administer receivables financing, invoice purchases or reverse factoring. It is part of Aptic’s CLVR financial software platform, with cloud…

Read the review →
  1. HES FinTech Factoring SoftwareFactoring Software 8.4Pricing on request
  2. Aptic FactoringFactoring Software 8.1Pricing on request

Strengths and trade-offs

  • HES FinTech Factoring Software — where it wins

    • Supports recourse, non-recourse, and other factoring configurations
    • Combines invoice checks, reserve management, reconciliation, and collections
    • Offers cloud and self-hosted deployment with configurable workflows

    Where it doesn't

    • Pricing is based on a license fee, with custom development charged separately
    • Requires contacting sales for pricing
    • No accounting system is named among the example integrations

  • Aptic Factoring — where it wins

    • Supports receivables financing, invoice purchasing and reverse factoring
    • Configurable workflows cover credit terms, recourse and purchasing charges
    • Real-time factoring ledger tracks invoice lifecycles

    Where it doesn't

    • Pricing requires contacting the vendor
    • Focused on factoring rather than broad financial operations
    • Client access and API capabilities center on factoring facilities and contracts
  • HES FinTech Factoring Software8.4/10 · Pricing on request

    Configurable factoring workflows span onboarding, funding, reconciliation, and collections.

    Contact HES FinTechFull verdict →
  • Aptic Factoring8.1/10 · Pricing on request

    A factoring platform for receivables finance, configurable terms and risk workflows.

    Visit ApticFull verdict →

More comparisons

All factoring software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update