Superior bank loan software

Automate and agile your lending process with a bank loan origination
software designed by HES. Adjustable platform with 20+ prebuilt modules.
AI scoring. Advanced customization and BPM optimization.

Surface credit stress across a diversified loan book before it materialises into losses — giving risk teams earlier signals, deeper portfolio visibility, and more time to take preventive action.

40%

fewer delinquent accounts

Combine traditional credit data with alternative sources and AI modelling to sharpen risk assessment across retail, commercial, and institutional portfolios.

scoring accuracy

Process higher loan volumes across multiple products and business lines without proportional increases in underwriting headcount or infrastructure.

10x

capacity

Unified software for the full
bank lending operation

Compliant onboarding

Launch configurable application journeys across retail, SME, and commercial segments from a single platform.
Support complex KYC, KYB, and AML requirements with automated identity verification, sanctions screening, and document processing built to institutional compliance standards.

Precise origination

Centralise credit decisioning across multiple loan products and customer segments using configurable policy rules, AI-enhanced scoring, and integrated bureau and financial data.
Manage product eligibility, pricing bands, and risk appetite frameworks from one governed origination environment.

Scalable servicing

Administer the full lifecycle of a diverse loan portfolio — repayments, restructures, limit changes, and customer communications — from a consolidated servicing platform.
Deliver real-time portfolio visibility to risk, operations, and relationship teams with automated reporting and audit-ready transaction records.

Systematic collection

Apply consistent, risk-stratified collection strategies across retail and commercial delinquencies. Use predictive analytics to prioritise accounts, automate early-stage outreach, and manage complex workout and recovery cases through structured, compliant workflows.

Flexibility

Create products in just a few clicks

React to the market changes and build competitive advantages by building loan
products and product groups. HES designs bank loan origination software as
automated and optimized as possible with no overhead in staff or manual actions.

Velocity

Rapid bank loan software

Automated scoring system

HES bank lending software provides unique scorecards for bankers and integrates with credit reference agencies to reduce operating costs, and provides quicker turnaround on decisions.

Activity dashboard

The Borrower portal functionality within the bank lending system creates a convenient workspace with dashboards to cut the loan closing time.

Configure your bank loan platform

Get your lending
product estimate
in 3 minutes

STEP: /

Loan servicing

Robust bank loan software
for all lending types

Feature-rich lending software for banks

Task management

Granular user roles and models allow effective and secure task management in every region or branch. The bank loan platform is seamlessly API integrated with existing core banking software along with external services, like credit bureaus, AML/KYC, payment systems, BI and accounting systems, e-signature, and more.

Bank loan management system

Banks get easy access to loan attributes and parameters, related transactions, and real-time amortization schedules with repayments, interest accruals via an all-set bank loan management system.

Transactions

The list of disbursements and payments with complete data entered manually or received from a payment provider helps with automatic disbursements, direct debit, and other financial operations.

Bank lending system also includes

Bank loan origination

Bank lending management

Document templates

Automation of disbursements and payments

Transactions and reporting

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Easy integrations

Security

Deployment

Tech stack

Never compromising security

HES addresses security measures in full to guarantee full compliance with domestic and international legal regulations, as well as data privacy protection.

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Cloud or on-premises

The banking loan software can be deployed to the production environment of any chosen provider. HES FinTech enables banks to deploy mission-critical technology on-premises or in the cloud.

Cloud provider

Updated technical tools

HES utilizes a Java stack, including Java, Spring, PostgreSQL. The architecture is based on FOSS technologies with no licensing fees, except for the platform’s source code.

Java LTS stack

Success stories

HES FinTech has been our reliable technology partner since 2012. I believe much of our success is due to the well-architected HES LoanBox solution.

Boris Batine

Co-Founder, ID Finance

Read story

HES FinTech offers comprehensive front-to-back solutions with integrations. Our machine learning platform will allow clients best-in-class investment advice.