Consumer lending software

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consumer loan system by hes fintech

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.

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Loan origination

Loan application and
verification, simplified

Application flow
Borrower profile
Decision-making
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.

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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.

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.

Customizable Application Flow Feature
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


Loan servicing

Make managing loans
effortless for your team

Deal management
Active loan
Debt collection
Product engine
Scoring
Task management
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.

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Unlock seamless loan operations

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.

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.
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.
aws aws
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.

Technology Architecture

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
Fully compliant consumer lending solution
Integrate with ease
Dedicated support
Future-proof architecture

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HES FinTech’s mission is to empower lenders with advanced technologies that streamline operations,
reduce NPLs, and enable informed, data-driven decisions.
hes clients

Off-the-shelf consumer
lending platform

FAQ

Can I customize the software to meet my specific needs?
Is HES LoanBox secure?
What types of loans can be managed with the consumer loan solution?
Can we connect tool we already use?