Islamic finance software for
Sharia-aligned lenders
Made for Islamic banks, Sharia-first fintechs, and Islamic windows inside conventional banks. Configure Murabaha, Ijarah, Tawarruq, Mudarabah, and beyond, in the product engine.
Book a demo
Sharia-compliant software for the
complete Islamic finance journey
Compliant onboarding
Launch a fully branded customer experience aligned with Islamic finance principles across every channel.
Provide applicants with a clear, guided way to explore products, confirm eligibility, and complete identity verification. Built on KYC standards, automated documentation, and Sharia-aware data workflows.
Provide applicants with a clear, guided way to explore products, confirm eligibility, and complete identity verification. Built on KYC standards, automated documentation, and Sharia-aware data workflows.
Structured origination
Deliver confident financing decisions using configurable underwriting logic built around Murabaha, Ijara, and other Islamic structures.
Integrate third-party data sources and AI-assisted scoring while maintaining full compliance with profit-rate and risk-sharing frameworks.
Integrate third-party data sources and AI-assisted scoring while maintaining full compliance with profit-rate and risk-sharing frameworks.
Principled servicing
Administer profit schedules, repayment plans, and customer communications from a single workspace designed for Islamic finance operations.
Ensure transparency and accountability across your entire portfolio with real-time visibility and automated lifecycle management.
Ensure transparency and accountability across your entire portfolio with real-time visibility and automated lifecycle management.
Considerate collection
Recover overdue accounts in a manner consistent with ethical lending values, use empathetic AI-driven outreach, risk-based prioritisation, and restructuring options that respect both borrower circumstances and Sharia obligations.
Online onboarding
Sharia-compliant financing, fully digital
Overcome the trust and accessibility barriers that slow Islamic finance adoption. Reach borrowers who avoid conventional channels, serve communities far from branch networks, and give every applicant a clear, compliant path to financing — without a single in-person step.
Explore Sharia-compliant terms upfront
Digital contracts without the branch visit
Full account control, anytime
Reach underserved communities through agent networks
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.
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
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
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.
Learn
more
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.
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
Retrieve and analyze credit reports from various bureaus, getting insights into an
applicant's creditworthiness and risk profile.
Fully automated decision-making
Loan servicing
Unlock seamless loan servicing
Deal management
Active loan
Debt collection
Product engine
Scoring
Task management
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.
Learn more
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
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
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
Create, adjust, and optimize credit scoring models that incorporate both traditional
financial data and alternative data sources, tailored to your specific lending criteria.
Reporting
Generate detailed, customizable reports and track key metrics on borrower behavior and
portfolio performance to improve decision-making and boost operational efficiency.
and much more
Document templates
Task management and KPIs
Automation of disbursements and payments
Portfolio management
Client communication
Get a free demo
Get your lending
product estimate
in 3 minutes
STEP:
/
HES LoanBox covers
all types of Islamic finance
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
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
Our Payment Processing integrations provide efficient and secure transaction platforms
tailored specifically for Islamic finance.
KYC/KYB
Reduce onboarding time, mitigate risks, and verify the identities of individual borrowers
and businesses with the highest standards of regulatory compliance.
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
With real-time data and analytics, you can monitor key metrics, spot emerging trends, and make
informed decisions to streamline your processes.
Credit bureau
Conduct thorough credit checks on potential borrowers, assess their creditworthiness, and
customize credit offerings to better meet your clients' needs.
Security
Deployment
Tech 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.
Learn more
Top-tier tech with cloud reliability
Our tech stack includes Java 21, Spring 6, and PostgreSQL 16, 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.
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
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
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.
Islamic finance solution
First deployment in 3 months
Sharia-compliant platform
Instant loan decision-making
AI-driven lending processes
Learn
more
