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.
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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 prioritization, 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.
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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.
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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:
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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
Adherence to ISO 27001 and SOC 2 frameworks reflects our unwavering
commitment to safeguarding your data. Since our founding in 2012, we have
proudly maintained a record of zero data breaches.
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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.
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.
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
