Consumer lending software
built for growth
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Flexible software for the full
consumer lending lifecycle
Effortless onboarding
Launch a branded borrower experience optimised for any device or channel.
Give personal loan applicants a simple way to apply, check eligibility, and submit documentation. Powered by KYC verification, automated data validation, and intelligent document processing.
Give personal loan applicants a simple way to apply, check eligibility, and submit documentation. Powered by KYC verification, automated data validation, and intelligent document processing.
Precise origination
Accelerate credit decisions with configurable underwriting workflows, AI-driven scoring models, and comprehensive third-party data integrations.
Structure and manage consumer loan products with custom eligibility parameters, dynamic pricing logic, and tailored risk frameworks.
Structure and manage consumer loan products with custom eligibility parameters, dynamic pricing logic, and tailored risk frameworks.
Reliable servicing
Manage repayment schedules, disbursements, and borrower communications from one unified platform.
Keep operations and customers fully aligned with real-time portfolio visibility and automated lifecycle management.
Keep operations and customers fully aligned with real-time portfolio visibility and automated lifecycle management.
Intelligent collection
Improve recovery performance on overdue consumer loans through AI-powered outreach, predictive delinquency analytics, and flexible restructuring options designed around each borrower's circumstances.
Online onboarding
Consumer lending software that
drives applications to approval
Turn interest into approved applications without friction. Give consumers a fast, fully digital path to personal financing — and give your team the automation tools to process more applications with less manual effort.
Boost completion rates from the first step
Cut approval times without cutting corners
Keep borrowers engaged after disbursement
Grow through retail and broker partnerships
Loan origination
Faster consumer loan approvals,
greater accuracy than ever
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.
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Get consumer loan documents signed in seconds
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
Loan servicing
Reduce portfolio risk and maximize profitability
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.
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Unlock profitable loan operations
Calculation and product engines
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.
Get your lending
product estimate
in 3 minutes
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Integrate your favorite tools
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.
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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
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
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
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
Fully compliant consumer lending solution
Integrate with ease
Dedicated support
Future-proof architecture
HES FinTech has been our reliable technology partner since 2012. I believe much of our success is due to the well-architected HES LoanBox solution.
HES FinTech offers comprehensive front-to-back solutions with integrations. Our machine learning platform will allow clients best-in-class investment advice.
In just 6 months, we went from storing all our data in Excel to a fast, reliable, and user-friendly platform that caters to our specific needs.
HES FinTech developed our lending software and predictive analytics. Their expertise delivered automation, clear UI/UX and customer portal.
The LMS provided flexible repayment options, automated restructuring and branch-level management, enhancing efficiency and risk mitigation.
Start lending
in just 3 months
HES LoanBox end-to-end solution absorbs
the workload across onboarding,
underwriting, servicing, and reporting,
so you can scale revenue—not overhead.
