Configurable bank loan software
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Automate your lending process
with bank loan origination software
Unified software for the full
bank lending operation
Controlled onboarding
Launch one configurable loan application flow for branch staff and for self-service in a
white-label borrower portal. Support complex KYC, KYB, and AML requirements with identity
verification, sanctions screening, and document processing configured to your bank's compliance
procedures.
Precise origination
Configure credit decisioning rules across multiple loan products and customer segments without
extra code. GiniMachine adds an explainable ML score trained on the bank's repayment history.
Conflicts go to a credit officer. Automatic, semi-automatic, or manual underwriting is set per
product group.
Scalable servicing
Each loan, from disbursement to final repayment, keeps its amortization schedule, accruals, and
payment history in one place, restructures and limit changes are logged. Payments are matched to
loans automatically, and core banking systems connect via API.
Systematic collection
Collection workflows are configured for retail and commercial delinquencies: automated
early-stage reminders, restructuring offers, and structured workout and recovery cases, with
every action logged. Banks that need AI-driven collections can add HES Collection Agent.
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.
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 scorecards for bankers and integrates with credit
reference agencies you work with 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
Bank loan software
in one back office
Feature-rich lending software for banks
Task management
Granular user roles and models allow effective and secure task management in every region or
branch. Connect the platform to your core banking system over API and add the services your
process needs: credit bureaus, KYC/AML providers, payment systems, BI and accounting tools,
e-signature.
Bank loan management system
Loan's terms, transactions, amortization schedule, repayments, and interest accruals are
kept in one record. Role-based access controls who can view or change them, and the audit
log records every edit.
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
ISO 27001 certified and SOC 2 aligned. Role-based access, 2FA, and audit
logs give your teams controls that help meet data-protection and regulatory
requirements in your jurisdiction.
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Cloud or on-premises
Deploy HES banking loan software on AWS, Google Cloud, on-premises, or in a
hybrid setup. Choose the deployment model that fits your bank’s IT
infrastructure, data residency requirements, and security policies.
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.
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.
HES FinTech offers comprehensive front-to-back solutions with integrations. Our machine learning platform will allow clients best-in-class investment advice.
In just 6 months, we went from storing all our data in Excel to a fast, reliable, and user-friendly platform that caters to our specific needs.
HES FinTech developed our lending software and predictive analytics. Their expertise delivered automation, clear UI/UX and customer portal.
The LMS provided flexible repayment options, automated restructuring and branch-level management, enhancing efficiency and risk mitigation.
Bank loan software
for efficient management
End-to-end bank lending software
From 3 months to launch
Ongoing user support
No additional charges per customer
Learn more
