Consumer lending software
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
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.
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.
Loan origination
Loan application and
verification, simplified
Make loan origination seamless for your customers.
Our consumer lending 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.
Our consumer lending 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.
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.
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.
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.
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.
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.
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.
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?
with HES LoanBox?
Loan servicing
Make managing loans
effortless for your team
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.
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.
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.
custom repayment terms—and create tailored loan offerings in just a few clicks.
Scoring model management
Our consumer loan management software provides real-time insights and data-driven analytics,
helping you refine scoring models as market conditions change for consistent, reliable
credit assessments.
helping you refine scoring models as market conditions change for consistent, reliable
credit assessments.
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.
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.
custom repayment terms—and create tailored loan offerings in just a few clicks.
Scoring model management
Our consumer loan management software provides real-time insights and data-driven analytics,
helping you refine scoring models as market conditions change for consistent, reliable
credit assessments.
helping you refine scoring models as market conditions change for consistent, reliable
credit assessments.
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.
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.
processes on track to achieve stronger results.
Reporting
Get comprehensive insights into loan performance, borrower data, and financial metrics. Stay
fully informed with real-time, in-depth reports that keep you on top of every detail.
fully informed with real-time, in-depth reports that keep you on top of every detail.
and much more
Document templates
Task management and KPIs
Automation of disbursements and payments
Portfolio management
Client communication
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.
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.
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
HES FinTech is ISO 27001 certified, ensuring our Information Security Management
System meets international standards. Additionally, we incorporate security
protocols throughout the Software Development Life Cycle (SDLC) to deliver maximum
protection for our clients.
System meets international standards. Additionally, we incorporate security
protocols throughout the Software Development Life Cycle (SDLC) to deliver maximum
protection for our clients.
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.
is the scalable and secure solution that you can fully configure to meet your exact
needs.
100%
process automation
made possible
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.
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.
strategically important, high-value activities.
38%
lower operating
costs
costs
Minimizing human errors
With repetitive tasks automated and manual workloads reduced, your team can focus on
strategically important, high-value activities.
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.
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
Meet our customers
HES FinTech’s mission is to empower lenders with advanced technologies that streamline operations,
reduce NPLs, and enable informed, data-driven decisions.
reduce NPLs, and enable informed, data-driven decisions.
Off-the-shelf consumer
lending platform
3 months time-to-market
Uncompromising security protocols
AI-driven credit scoring
Secure and scalable solution
FAQ
Can I customize the software to meet my specific business
needs?
needs?
Is HES LoanBox secure?
What types of loans can be managed with the consumer loan solution?
Does consumer loan software integrate with other systems and software?
