Islamic finance software

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Islamic Finance Software
Islamic Finance System

Empowering Islamic financial institutions
with top-tier loan management systems

HES LoanBox solution includes
Digital Onboarding
Loan Origination
Loan Servicing
100% process automation
AI-powered lending workflows
Compliance with Islamic finance rules
Deployment in 3 months
Seamless integration
Digital onboarding

Turn leads into borrowers

Landing Page
Agent Portal
Integrated plugin
Islamic Finance Software Landing Page
Islamic Finance System Landing Page
Agent Portal of Islamic Finance Software
Agent Portal of Islamic Finance Platform
Integrated Plugin of Islamic Finance Software
Integrated Plugin of Islamic Finance System
Capture leads and provide initial loan calculations.

Potential clients are then guided from the Landing Page to the Borrower Portal, where they can
submit their loan applications for further processing in accordance with Islamic finance rules.
Onboarding can be initiated directly from your website, through authorized agents, or via any
integrated applications.

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more

Open Banking Feature

Open banking

Gain direct access to up-to-date financial information, such as account balances,
transaction history, and income verification, for your potential borrowers. Use this
data to offer personalized financial products that align with Islamic finance principles
and streamline the application process.
Open Banking Feature in Islamic Finance Software

Open banking

Gain direct access to up-to-date financial information, such as account balances,
transaction history, and income verification, for your potential borrowers. Use this
data to offer personalized financial products that align with Islamic finance principles
and streamline the application process.

Islamic Finance Software Feature
Loan calculator
Help your borrowers estimate their loan payments and financial obligations before applying.
Then, they can choose the most suitable credit product based on their personal needs and
proceed to the credit application.
KYC for Islamic Finance System
KYC for Islamic Finance Platform
KYC
Verify your potential clients’ identities within seconds, reduce onboarding time, and
enhance fraud prevention with our KYC module, which connects directly with trusted KYC
providers.
Loan origination

Accelerate your
lending process

Application flow
Borrower profile
Decision-making
Borrower Portal of Islamic Lending System
Borrower Portal of Sharia-Compliant Finance Software
Borrower Profile of Islamic Finance System
Borrower Profile of Islamic Finance Platform
Islamic Finance Software Solutions
Islamic Finance Solutions
Simplify and streamline the loan origination process for your customers.

Our Islamic finance system supports Sharia-compliant, rule-based applications, and connects
with credit bureaus to provide financial insights. Your borrowers can easily apply for loans
and track their progress—all within a system designed to meet the unique requirements of
Islamic finance.

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more

E-Signature for Islamic Finance Solutions

E-signature available for all documents

Eliminate the need for paperwork and provide a secure and efficient signing
process for both borrowers and your team. All sensitive information will be stored in a
secure digital environment.
E-Signature for Islamic Finance System

E-signature available for all documents

Eliminate the need for physical paperwork and provide a secure and efficient signing process
for both borrowers and your team. All sensitive information will be stored in a secure
digital environment.

Customizable Application Flow Feature
Customizable application flow
Whether you need to add specific approval stages or adjust document requirements, HES
LoanBox gives you the control to create an application flow that enhances efficiency,
improves user experience, and ensures compliance with Islamic finance rules.
Credit Report in Islamic Lending Platform
Credit Report in Islamic Finance Software
Credit report
Retrieve and analyze credit reports from various bureaus, getting insights into an
applicant’s creditworthiness and risk profile.

Fully automated
decision-making

Islamic Finance Software Workflow
Islamic Finance System Workflow
Loan servicing

Unlock seamless
loan servicing

Deal management
Active loan
Debt collection
Product engine
Scoring
Task management
Sharia-Compliant Finance Software
Sharia-Compliant Finance System
Active Loans in the Borrower Portal
Active Loan in the Borrower Portal
Debt Collection in Islamic Finance System
Debt Collection in Islamic Lending System
Product Engine in Islamic Finance System
Product Engine in Islamic Finance Software
Scoring in Islamic Finance System
AI Scoring in Islamic Finance Platform
Task Management in Islamic Finance Software
Task Management in Shariah-Compliant Finance Software
Maximize efficiency with end-to-end loan servicing functionality.

Our platform offers AI-powered scoring for accurate borrower assessment, combined with
automated decision-making to minimize errors and boost efficiency. Advanced task management and detailed reporting provide all the tools you need to optimize lending operations and make informed decisions.

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Flexible Islamic Finance Platform

Calculation and product engines

The calculation engine ensures all calculations are accurate and Sharia-compliant, while the
product engine allows you to create and manage tailored financial offerings to meet diverse
client needs.
Deal Management in Islamic Finance System
Deal management
From structuring deals to monitoring progress and closing, track deals in real-time, ensure
compliance, and optimize your workflow for better decision-making and results.
Automated Transactions in Islamic Finance Software

Automated transactions

Eliminating manual processes, ensure accuracy, and reduce the time required to complete
each transaction. HES LoanBox automates the entire transaction workflow, from initiation
to completion, in full compliance with Islamic finance principles.
Flexible Islamic Finance System

Calculation and product engines

The calculation engine ensures all calculations are accurate and Sharia-compliant, while the
product engine allows you to create and manage tailored financial offerings to meet diverse
client needs.
Deal Management in Islamic Finance Software
Deal management
From structuring deals to monitoring progress and closing, track deals in real-time, ensure
compliance, and optimize your workflow for better decision-making and results.
Automated Transactions in Islamic Finance System
Automated transactions
Eliminating manual processes, ensure accuracy, and reduce the time required to complete each
transaction. HES LoanBox automates the entire transaction workflow, from initiation to
completion, in full compliance with Islamic finance principles.
Scoring Model Management in Islamic Finance System
Scoring Model Management in Islamic Finance Platform
Scoring model management
Create, adjust, and optimize credit scoring models that incorporate both traditional
financial data and alternative data sources, tailored to your specific lending criteria.
Reporting Feature
Reporting Feature in Islamic Finance Software
Reporting
Generate detailed, customizable reports and track key metrics on borrower behavior and
portfolio performance to improve decision-making and boost operational efficiency.

HES LoanBox
covers

all types of Islamic finance

Our team can customize HES LoanBox to meet your organization’s

specific needs.
Mobile-Friendly Islamic Finance Software
Mobile-Friendly Islamic Finance System
Murabaha
Ijarah
Tawarruq
Mudarabah
Wakala
Musharakah
Istisna’a

Tailored local
integrations

HES LoanBox connects with regional systems and providers. With our Islamic finance system, your
lending processes will be fully aligned with local regulations and market needs.
Open Banking Integration
Open Banking Integrations
Open banking
Secure and reliable access to users’ bank accounts. Enhance your lending processes with
real-time financial data with more accurate credit assessments and personalized offerings.
Payment Processing Integration
Payment Processing Integrations
Payment processing
Our Payment Processing integrations provide efficient and secure transaction platforms
tailored specifically for Islamic finance.
KYC/KYB Integration
KYC/KYB Integrations
KYC/KYB
Reduce onboarding time, mitigate risks, and verify the identities of individual borrowers
and businesses with the highest standards of regulatory compliance.
eSignature Integration
eSignature Integrations
eSignature
Speed up the signing process and enhance security. Reduce processing time and eliminate
physical paperwork, allowing borrowers to sign documents electronically from anywhere.
Reporting Integration
Reporting Integrations
Reporting
With real-time data and analytics, you can monitor key metrics, spot emerging trends, and make
informed decisions to streamline your processes.
Credit Bureau Integration
Credit Bureau Integrations
Credit bureau
Conduct thorough credit checks on potential borrowers, assess their creditworthiness, and
customize credit offerings to better meet your clients’ needs.
Technology architecture outline

Top-tier tech with
cloud reliability

Our tech stack includes Java 11, Spring 5, and PostgreSQL 11, backed by the capabilities of Oracle, Google Cloud, and AWS, depending on the needs of the specific solution. This combination ensures high performance, scalability, and security, providing a reliable foundation for your business.
aws aws
Cloud provider

Powerful
backend tools

HES FinTech’s Islamic finance solutions are built using cutting-edge, free, and
open-source technologies such as Java 11, Camunda, and Form.io modeler.
Java LTS stack

Security as
a top priority

Our ISO 27001 certification reflects our unwavering commitment to safeguarding your
data. Since our founding in 2012, we have proudly maintained a record of zero data
breaches.

Technology Architecture


Murabaha Compliant Lending Software

Murabaha and
Sharia-compliant
lending software

Our platform facilitates transactions and lending practices that fully comply with ethical
norms and regulatory frameworks.
Take your lending online
Kickstart online lending
Sharia-compliant loan management solution
Seamless integrations
Reliable support
Ready for tomorrow

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Islamic finance solution

FAQ

How does HES LoanBox ensure Sharia compliance?
Can the software integrate with my existing systems?
Can HES LoanBox be customized for my specific business needs?
How long does it take to implement HES LoanBox?