Smarter processes
with AI-driven
lending system
Credit decisioning engine
Get a free demo
The credit decisioning engine is the foundation of a profitable loan portfolio.
Benefit from an AI-powered solution
Smarter processes
GiniMachine analyzes client data to generate insights
that assess potential borrowers' creditworthiness and help shape your approval policy. This no-code solution, integrated into HES LoanBox, takes the stress out of credit decision-making.
Decicion-making
Speed up your lending operations
Speed up your credit decisioning process—from hours to seconds.
Bonus: eliminate human bias when evaluating applicant profiles. Our platform supports
rule-based decision-making and integrates seamlessly with multiple credit bureaus, making
the process smarter and more informed. Choose manual, semi-manual, or fully automated
decision-making—whatever works best for your company's goals.
Get your lending
product estimate
in 3 minutes
STEP:
/
Product campaigns
Customize your lending offerings
Businesses thrive when they adapt: to customer needs, changing market conditions,
and emerging opportunities. Our loan decisioning solution lets you customize your loan products
and adapt your approval processes for different borrower segments and credit products.
Whether you need automated checks for fast approvals or manual reviews for more complex
cases, the solution offers unmatched flexibility. Debts will be repaid, and customer
satisfaction will increase. It's a win-win!
Configurable workflows
Workflows that fit goals
AI-driven automated decisioning
Delays and inconsistencies should have no place in lending processes. With smart, automated
decision-making, you can rely on data-driven insights to make quick, reliable choices. Achieve
accuracy, efficiency, and confidence—all in one solution.
Open banking
Unlock instant access to borrowers' financial data with Open Banking. Make smarter, faster
loan decisions using real-time insights and complete transparency.
Credit bureau integrations
Gain deeper insights into every applicant. Make smarter decisions with data from multiple
sources.
Scoring model
breakdown
Unlock the full potential of your scoring model with precise scorecards, powerful stop factors,
and customized business rules. Achieve smarter risk assessment and faster decision-making.
Scoring
Achieve greater accuracy
with AI/ML-based models
AI/ML-driven scoring ensures every decision is as informed as possible.
Customize models to suit your needs, reduce risk, and deliver results with
accuracy and speed. Decisions you can trust, every time.
Loan underwriting
Role-based task management
Simplify underwriting processes with role-based tasks.
Credit Verifiers ensure accurate borrower evaluations, align applications with loan
criteria, and deliver reliable decisions. Whether approving, declining, or requesting
updates, the workflow is efficient and stress-free.
Pre-built integrations
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.
Automated loan
management software
AI-powered credit scoring
Configurable credit decision engine
3 months time-to-market
All workflows covered
Learn
more
