Automate consumer lending decisions, streamline processes, and manage every loan effortlessly.
HES LoanBox includes
Loan Origination
Loan Servicing
Debt Collection
100% workflow automation
Real-time AI decisions
Frictionless user journey
Enterprise-grade security
Unlimited integration capabilities
Digital onboarding
Stop losing borrowers to complicated consumer lending applications
Landing Page
Agent Portal
Transform abandoned visits into approved loans with LoanBox consumer lending software — featuring conversion-optimized onboarding that cuts your application process to just a few minutes and eliminates paperwork.
Enable customers to seamlessly complete ID verification and real-time compliance checks through our cross-platform design, maximizing their satisfaction.
Faster consumer loan approvals, greater accuracy than ever
Application flow
Borrower profile
Decision-making
Transform consumer loan origination from days to minutes.
Leverage KYC providers, credit bureaus, open banking APIs and alternative data to get complete borrower profiles in real-time. Reduce manual underwriting by 90% using our advanced AI scoring models while maintaining superior risk assessment.
Automate contract creation and close deals instantly with secure digital signatures.
Generate personalized consumer lending agreements in seconds, then enable borrowers to sign from
anywhere with legally compliant e-signatures.
Customizable application flow
Create your ideal application journey with unlimited customization options. Add any data fields, require any documents, set up any verification steps, and build conditional workflows that match your business logic perfectly.
Flexible consumer scoring system
Scale from manual underwriting to full automation with customizable risk parameters and scoring weights. Moreover, leverage GiniMachine AI functionality to dramatically improve your consumer scoring quality using hundreds of parameters and machine learning algorithms.
Flexible, scalable, reliable
Launch fast, deploy hundreds of unique products and offers without worrying about system limitations. LoanBox is built for large and growing consumer lending companies that prioritize speed, flexibility, scalability, and platform stability. Extensive integration capabilities enable you to implement the most complex business processes and system integrations.
Rule-based decision-making
Get your lending product estimate in 3 minutes
STEP:
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Loan servicing
Reduce portfolio risk and
maximize profitability
Deal management
Active loan
Debt collection
Product engine
Scoring
Task management
Transform loan management from reactive to proactive with intelligent automation.
With LoanBox consumer loan servicing, you can prevent defaults through AI-powered early warning, automate collection workflows, and optimize every payment interaction. Enhance your portfolio analytics with AI and maintain healthy loan books while reducing operational costs.
Handle complex financial calculations—variable rates, government-linked rates, payment holidays, and custom restructuring terms—instantly. Create personalized loan modifications and payment plans that retain customers while protecting your margins.
Portfolio risk management
Monitor portfolio health in real-time with predictive analytics that identify at-risk borrowers before they default. Adapt collection strategies when market conditions shift, ensuring consistent recovery rates and minimized losses.
Automated collections
Deploy smart collection workflows that automatically escalate based on borrower behavior. From gentle payment reminders to legal action triggers, ensure maximum recovery with minimal manual intervention and improved customer relationships.
Deal management
Track every loan from origination to payoff with complete visibility. Monitor payment performance, restructuring requests, and collection activities with our advanced task management system that keeps your team organized and portfolio performance optimized.
Portfolio analytics
Get deep insights into loan performance, borrower segments, and profitability drivers. Real-time dashboards reveal portfolio trends, default predictions, and collection effectiveness—giving you the intelligence to optimize your entire lending strategy.
Integrate your favorite tools
Technology architecture overview
Cloud-first consumer loan software
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 160+ teams worldwide
Our consumer lending platform helps more than 160 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 Consumer lending software helps banks and credit unions manage personal loans efficiently. The technology handles applications, checks credit scores, collects documents, and makes financing decisions. Instead of paperwork and long waits, customers get quick answers. We at HES FinTech built LoanBox as a comprehensive platform to make lending simple and fast for both financial institutions and their clients.
Is HES LoanBox consumer lending system suitable for both banks and credit unions?
HES LoanBox is a complete system that covers the entire loan process from application to funding. Our platform takes applications, runs credit checks, gathers documents, and guides financing through approval workflows. Loan officers see all customer information in one place. The system handles routine tasks automatically. This lets your team focus on building relationships with borrowers. We designed our solution to work the way lending teams actually operate.
Can HES LoanBox integrate with our existing core systems and third-party platforms?
Integration is one of our platform’s strengths. LoanBox connects with all major core banking systems through secure APIs. Customer information and account details flow between systems automatically. We integrate with credit bureaus, document management tools, and compliance solutions too. Most integrations use configuration instead of custom coding. This means faster setup and easier maintenance for your operations. Our technical team has worked with hundreds of system combinations. We handle integration challenges before they slow down your processes.
How does the platform improve the borrower experience?
We focused on making the application process enjoyable for customers. Applications work on mobile devices and save progress across different platforms. Borrowers get real-time status updates so they always know what’s happening. When we need documents, clients can take photos instead of visiting branches. They can communicate through text, email, or phone calls. Most lending institutions see higher completion rates and better customer satisfaction scores with our solution.
Can we customize the software to meet our 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, and tell us what would make your life easier, and we’ll partner with you to build the perfect solution for your needs.
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