Consumer lending software for all your needs. Automate decisions, streamline processes, and manage every loan effortlessly from start to finish.
HES LoanBox includes
Digital Onboarding
Loan Origination
Loan Servicing
Full coverage of every lending workflow
Hassle-free user experience
Enterprise-grade security standards
AI-powered decision-making
Broad integration network
Digital onboarding
More engaged visitors, more completed applications
Landing Page
Agent Portal
Impress customers from their first interaction and increase application conversions with a smooth digital experience. HES LoanBox offers an engaging landing page that captures interest and drives loan applications. Applicants are then redirected to the Borrower Portal, where automated ID verification and data capture ensure quick, compliant, and friction-free onboarding.
Make loan origination seamless for your customers. Our consumer loan origination software integrates with local KYC providers, credit bureaus, and open banking for detailed financial insights. Borrowers apply with ease and track loan progress, all within a rule-based platform tailored to the needs of consumer lending.
Close deals faster with secure, digital signatures. Borrowers sign from anywhere—no paperwork, no hassle, just a smooth, legally compliant experience that speeds up approvals and keeps things moving.
Get documents signed in seconds
Close deals faster with secure, digital signatures. Borrowers sign from anywhere—no paperwork, no hassle, just a smooth, legally compliant experience that speeds up approvals and keeps things moving.
Customizable application flow
Flexible application design lets you control every step. Customize data fields, verification points, and more to match your unique requirements.
Credit report
Access detailed credit reports that cover financial history, credit scores, and risk factors to assess borrower profiles with confidence.
Open banking
Gain real-time access to borrower financial data with Open banking, allowing for faster, more accurate lending decisions. Instantly view income, expenses, and account balances, giving you a comprehensive financial snapshot to assess creditworthiness.
Open banking
Gain real-time access to borrower financial data with Open banking, allowing for faster, more accurate lending decisions. Instantly view income, expenses, and account balances, giving you a comprehensive financial snapshot to assess creditworthiness.
Rule-based decision-making
Ready to elevate your lending operations with HES LoanBox?
End-to-end loan servicing that adapts to your needs. From AI-powered scoring and underwriting to automated decision support, our consumer loan servicing software minimizes errors and enhances speed. Advanced task management and detailed reporting deliver the insights needed to optimize every stage of your lending process.
Handle complex financial calculations—like variable rates, government-linked rates, and custom repayment terms—and create tailored loan offerings in just a few clicks.
Scoring model management
Our consumer loan management software puts powerful insights at your fingertips. See real-time data and analytics that help you adapt your scoring models when market conditions shift, ensuring your credit assessments remain consistent and reliable.
Automated transactions
Set up recurring payments, automate reminders, and reduce manual work, ensuring timely, error-free transactions and a smooth experience for both your team and borrowers.
Calculation and product engines
Handle complex financial calculations—like variable rates, government-linked rates, and custom repayment terms—and create tailored loan offerings in just a few clicks.
Scoring model management
Our consumer loan management software puts powerful insights at your fingertips. See real-time data and analytics that help you adapt your scoring models when market conditions shift, ensuring your credit assessments remain consistent and reliable.
Automated transactions
Set up recurring payments, automate reminders, and reduce manual work, ensuring timely, error-free transactions and a smooth experience for both your team and borrowers.
Deal management
HES LoanBox provides a clear overview of deal status, keeping your team organized and all processes on track to achieve stronger results.
Reporting
See exactly how your loans are performing, who your borrowers are, and what the numbers tell you. Our real-time reports give you the complete picture, so you’ll never miss an important detail about your portfolio.
Built to adapt and grow with your business, it ensures secure, efficient management of consumer loans, anytime and anywhere.
Cloud provider
Powerful backend tools
Our personal loan software leverage free and open-source tools like Java, Camunda, and Form.io modeler. With these technologies, we eliminate licensing fees, with costs only applied to the platform’s source code, making it a cost-effective choice for businesses.
Java LTS stack
Security is #1 priority
We’ve earned ISO 27001 certification, which means our approach to keeping your information secure meets the highest international standards. Every step of our software development process includes robust security measures, giving you the peace of mind that your data is thoroughly protected.
Why HES FinTech solution?
Blend of flexibility and automation
Whether it’s reports, business rules, workflows, or specific loan products, HES LoanBox is the scalable and secure solution that you can fully configure to meet your exact needs.
100%
process automation made possible
Blend of flexibility and automation
Whether it’s reports, business rules, workflows, or specific loan products, HES LoanBox is the scalable and secure solution that you can fully configure to meet your exact needs.
Minimizing human errors
With repetitive tasks automated and manual workloads reduced, your team can focus on strategically important, high-value activities.
38%
lower operating costs
Minimizing human errors
With repetitive tasks automated and manual workloads reduced, your team can focus on strategically important, high-value activities.
Trusted by 100+ teams worldwide
Our consumer lending platform helps more than 100 lending businesses in 32 countries simplify loan processes, improve customer experience, and streamline end-to-end workflows.
Lending gets efficient with HES LoanBox
Get started with online lending
Join the 90% of clients who launch and scale quickly with our online consumer loan management software. Fast setup and customizable features help you start lending and see returns sooner.
Fully compliant consumer lending solution
Focus on growth, not on regulatory complexity. Our consumer loan software automates regulatory checks to keep you fully aligned with local and industry standards, so you can lend with confidence.
Integrate with ease
Everything you need, all in sync. From CRMs to payment gateways, we make it easy to connect all your systems in one place, simplifying workflows and enhancing efficiency.
Dedicated support
Our customer support team provides comprehensive, round-the-clock assistance to keep your retail lending software performing at its best. With a deep understanding of lending operations, HES experts offer fast issue resolution, proactive guidance, and tailored support to meet your business needs.
Future-proof architecture
Built with flexibility and scalability at its core, our future-proof architecture ensures that your consumer credit software evolves alongside market demands. Designed to support easy updates, integrations, and feature enhancements, it allows you to adapt quickly to regulatory changes, customer expectations, and business growth.
HES FinTech’s mission is to empower lenders with advanced technologies that streamline operations, reduce NPLs, and enable informed, data-driven decisions.
Can I customize the software to meet my specific needs?
We built HES LoanBox retail lending software with flexibility as a core principle. We can help you with:
Integrating with your existing systems and tools
Adjusting current features to better fit your workflow
Creating entirely new capabilities tailored to your requirements
Just reach out to our sales team, tell us what would make your life easier, and we’ll partner with you to build the perfect solution for your specific needs.
Is HES LoanBox secure?
Your data’s security is our top priority. We maintain the industry’s highest security standards and use end-to-end encryption to protect your information. We’re proud of our perfect track record: in all our years of operation, HES LoanBox has never experienced a single data breach.
What types of loans can be managed with the consumer loan solution?
Our HES LoanBox handles just about any loan you can think of—personal loans, student loans, payday advances, mortgages, and auto financing. The system works with collateral-backed loans, credit lines, and can handle many different calculation methods. Whether you’re offering simple personal loans or complex mortgage products, our consumer finance software adapts to fit your lending business.
Can we connect tool we already use?
Absolutely. Our consumer loan software connects smoothly with more than 100 different APIs and content management systems, so it works hand-in-hand with the tools you already use. We’ve made it simple to link with your existing systems, transfer your important data, or add special features that your business needs. This means your lending process flows naturally from one step to the next without anyone having to manually copy information between systems, cutting down on mistakes and saving your team valuable time.