Lease management software for
asset finance companies
Built for captive lessors, equipment finance providers, and bank-owned leasing arms. Vehicle, equipment,
real estate, and vendor-backed agreements, managed across the full contract lifecycle on one platform.
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Flexible software for the full
leasing contract lifecycle
Streamlined onboarding
Open a branded application channel that works from any dealer showroom, broker office, or lessee
device.
Make it simple for businesses and individuals to request a quote, share company documents, and start a lease. Backed by automated KYB checks, document capture, and intelligent data validation.
Make it simple for businesses and individuals to request a quote, share company documents, and start a lease. Backed by automated KYB checks, document capture, and intelligent data validation.
Structured origination
Speed up credit decisions with configurable underwriting flows, AI-driven scoring, and direct
connections to credit bureaus and third-party data providers.
Build lease products in a configurable engine that can be set up for residual values, flexible terms, and end-of-term scenarios per project. Tailor pricing per asset class, lessee segment, or vendor program without involving developers.
Build lease products in a configurable engine that can be set up for residual values, flexible terms, and end-of-term scenarios per project. Tailor pricing per asset class, lessee segment, or vendor program without involving developers.
Reliable servicing
Manage instalment schedules, asset records, and lessee communications from one connected
workspace.
Handle mid-contract changes: schedule adjustments, lease extensions, early buyouts, and asset swaps, all with real-time portfolio visibility and a full audit trail. Operations and lessees stay aligned through every stage of the agreement.
Handle mid-contract changes: schedule adjustments, lease extensions, early buyouts, and asset swaps, all with real-time portfolio visibility and a full audit trail. Operations and lessees stay aligned through every stage of the agreement.
Intelligent collection
Recover overdue lease payments through AI-driven outreach, predictive arrears scoring, and
tailored restructuring options.
When recovery isn't viable, manage repossession and asset hand-back within the same platform, with full case history preserved end to end.
When recovery isn't viable, manage repossession and asset hand-back within the same platform, with full case history preserved end to end.
Smart task management for leasing operations
Push every lease deal forward without losing time between hand-offs. Auto-assign tasks by role and
workload, monitor SLAs in real time, and keep credit, KYB, contract admin, and servicing teams
working from the same picture.
Online onboarding
Leasing management software that
cuts deal cycles from weeks to days
Long deal cycles cost lease providers more wins than rejected applications ever will. Compress every
stage between quote and signature with embedded calculators, parallel verifications, and dealer-side
automation, so lessees stay in the funnel and your team closes more agreements per quarter.
Help lessees compare options before they commit
Approve lease applications in hours, not weeks
Keep lessees in the loop after contract signing
Scale through vendor and dealer networks
Offline onboarding
Borrowers can fill out forms and upload images using any convenient device. The leasing system
software sends notifications via SMS/email and can save partially completed forms.
Lease origination
One origination
engine for vehicle,
equipment, and
real estate leases
Slow reviews and missing asset data quietly drain margin from every lease deal. HES lease financing
software runs KYB, credit, and contract checks in one flow for confident approvals.
Build a defensible lessee profile in minutes
Underwriting rules that match each asset class
Credit scoring tuned to lease economics
GiniMachine reads every closed lease
Paperless lease packaging from quote to signature
and much more
Unlimited lease product configuration
Configure any lease product your market needs: vehicle finance, operating leases, equipment
finance, or real estate agreements. Adjust rates, fees, residuals, and instalment schedules
per asset class, region, or partner program through the configurable product engine, no
developer time required.
Automated lease contract generation
Build lease agreement templates, payment schedules, and amendment forms with merge
variables, then generate signed documents in seconds. Cut drafting errors, accelerate
signature, and keep contract wording aligned with the rules of each region you operate in.
Vendor and broker offer dispatch
Configure a partner-facing flow where dealers, vendors, and brokers invite teammates, work
through assigned leads, and send lease quotes in a couple of clicks. Recipients open the
offer in their inbox and continue straight into the lessee portal to finalise paperwork.
Role-based access for every party
Lessors, dealers, vendors, agents, and lessees each see only what they need. Granular
permissions, configurable password rules, two-factor login, and device-level controls keep
sensitive contract data safe and every action logged for audit.
Multichannel lessee communication
Reach lessees through SMS, email, and in-app messages with triggers tied to instalment
dates, contract milestones, and asset events. Reduce support load while keeping lessees on
top of every commitment over the life of the lease.
No-code workflow builder
Draw lease application paths, decision branches, and approval steps in a visual canvas.
Launch new workflows in days, not quarters, and adjust them as risk appetite or partner
programs shift over time.
Get your lending
product estimate
in 3 minutes
STEP:
/
Lease servicing
One workspace for every active lease
Spreadsheets and patched tools quietly cost servicing teams hours every week. HES lease servicing
software runs the entire lease book from one workspace with live portfolio data, configurable
workflows, and integrated payments.
Lease lifecycle automation
One view for every lease product
360° view of every lessee
Trusted payment operations
Application
Loans
Product Engine
Configurations
Lease collections
Cut lease arrears without
burning the lessee relationship
Aggressive chasing damages future business and slow chasing loses the money outright. Run lease
arrears through one workflow that picks the right channel, the right tone, and the right escalation
point for each lessee and each missed instalment.
Run the full recovery workflow on autopilot
Personalise every collection action with AI
Prevent missed instalments before they happen
Penalty management aligned with local rules
100+ integrations that plug your
leasing platform into everything
HES LoanBox connects to the systems leasing operations actually run on, from credit bureaus and KYB
providers to payment rails, accounting tools, and asset registries. Use pre-built connectors out of
the box or wire in anything custom through open APIs.
Leasing reporting and analytics
HES LoanBox brings lease portfolio management into one set of dashboards built around the KPIs
leasing teams act on: arrears by asset class, residual exposure, vendor performance, and portfolio
yield. Export raw data, configure custom metrics, and slice the book any way the business needs.
What you get by choosing
our lease management software
Unlimited customization
Tailor every module to your leasing operation: forms, workflows, pricing logic, and
integrations with bureaus, payment providers, or any other service. API-first architecture
and custom development on demand make sure the platform follows the business, not the other
way round.
Transparent pricing, no vendor lock-in
HES offers simple pricing: you pay for the license, with extra costs only for custom
development. Unlimited internal users, dealers, vendors, and lessees included. No vendor
lock-in: the source code stays yours to extend.
3-month product launch
Go live in just 3 months. Start writing leases sooner, see ROI faster, and skip the
multi-year rollouts that legacy leasing platforms still ask for.
Industry expertise
Work with business analysts who bring 15+ years in financial and credit software across the
US, EU, and emerging markets, with deep exposure to leasing operations.
Proven security
ISO 27001 and SOC 2 certified. Hosted on AWS or Google Cloud with a secure Java LTS stack,
role-based access, two-factor authentication, and regular security updates.
Dedicated support
Get fast, expert help from a dedicated support team whenever your operation needs it.
Security
Deployment
Tech stack
Enterprise-grade
security
ISO 27001 and SOC 2 certifications, paired with a controlled SDLC, keep
security consistent across every operation, supported by full data
encryption, role-based access control, two-factor authentication, and a
hardened hosting infrastructure for every leasing deployment we run.
Learn more
Built on cloud
technologies
HES LoanBox leasing software can be deployed on-premises, in private cloud,
or in the public cloud of any provider you already work with, including AWS
and Google Cloud.
Powerful
backend tools
HES LoanBox is built on open-source foundations like Java LTS, BPMN 2.0,
Camunda, and Form.io modeler. That approach removes additional licensing
fees beyond the platform source code and keeps the stack flexible for
long-running leasing operations.
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.
The 2026 state of
leasing and asset finance
$1.3T
equipment finance industry size
The US equipment finance industry now stands at
$1.3 trillion
(ELFA, 2025). Scaling a leasing book inside this market without modern software means
leaving margin on the table.
1.61%
auto loan and lease delinquency rate
60+ day delinquencies on US auto loans and leases reached
1.61% in late 2025
(Equifax via NY Fed). Static scoring and manual servicing struggle to keep up with renewed
credit stress.
$10.4B
auto and lease fraud exposure
US auto and lease fraud exposure climbed to
$10.4 billion in 2025
(Point Predictive). More than 70% of early payment defaults now show evidence of origination
fraud.
+3.1%
equipment finance growth despite tighter credit
Equipment finance new business volume grew
3.1% in 2024
(ELFA SEFA). Lenders chasing this growth with legacy platforms lose deals to faster,
better-priced competitors.
