Consumer lending software

Get a free demo


Get your consumer lending plaform ready in 14 days

HES LoanBox® solution includes
Landing Page
Borrower Portal + Apps
Back office
Readymade consumer lending platform
User-friendly whitelabel design
The multichannel loan application process
Fully automated decision-making
Flexible integrations
Digital onboarding

Engage users in the loan
application process

Landing page
API for your website
Active plugin



Connect the borrower portal with the website.
HES LoanBox® consumer loan origination software can be integrated with
existing websites via API to provide users with a seamless customer experience.
Cross-channel application process
Omnichannel approach to the consumer loan automation enables users
to switch between devices and complete the application most conveniently. HES
consumer lending solution has an auto-saving feature that allows to return
to the form later without losing any progress.
Cross-channel application process
Omnichannel approach to the consumer loan automation enables users
to switch between devices and complete the application most conveniently. HES
consumer lending solution has an auto-saving feature that allows to return
to the form later without losing any progress.
Customizable application flow
Off-the-shelf consumer loan software was designed by HES experts based on analysis of business
needs to help you build a seamless application process configuring ready-to-use forms. The
final flow is adjusted in a way to boost conversion while getting all the needed
information.

KYC
Protect your consumer credit software from scammers via integration with a KYC provider.
Verify the user’s identity instantly by comparing the data filled and photos of their documents.
HES LoanBox® borrower portal

Full control over the loans

Active loan
Application flow
Activities dashboard




Loan calculator
HES LoanBox® consumer lending system comes with a front-end loan calculator that
helps borrowers make the most appropriate lending request. They can see how the regular
repayments change depending on the terms like loan amount and payment frequency.
Borrower profile
Let your borrowers save and update their personal information and use it
for new loan applications. Stored sensitive data is protected by KeyCloak technologies.
Back office

Manage your consumer
loan automation effectively

Loan Management
Application
Credit Scoring
Product Engine




Feature-rich back office for managers

Automated decision-making
HES LoanBox® consumer lending software empowers you to
configure semi- and fully-automated decision-making processes. The platform can score
loan applications, detect stop factors, find matching lending products, and approve or decline
requests automatically.
Automated decision-making
HES LoanBox® consumer lending software empowers you to
configure semi- and fully-automated decision-making processes. The platform can score
loan applications, detect stop factors, find matching lending products, and approve or decline
requests automatically.

Calculation and product engines
The consumer loan system supports multiple calculation types, using which you can create an
unlimited number of loan products with flexible terms. You have full control over what you
offer to borrowers and can set up flexible amount limits, payment frequencies, or interest
rates.
User roles
Protect your platform from human mistakes and data breaches by
controlling the modules employees can access. HES LoanBox® consumer loan
software for installment and other types of loans allows you to set different user roles with different levels of permissions.
Technology architecture overview

Online and
offline access

HES consumer lending platform can be deployed on-premises or in the cloud of any
chosen provider.



Powerful
tech stack

In the development process, an advanced technology stack is used, including the
solutions like Java, Camunda, Spring Boot and Form.io modeler. The architecture is based on
free and open-source tools, which allows us to cut off licensing fees except for the
platform’s source code.

The highest
level of security

HES is ISO 27001 certified, which confirms that our development and data management
processes meet international requirements. On top of this, HES addresses security
measures through the Systems development life cycle (SDLC).


Off-the-shelf solution
for consumer lending