Responsible lending and DDO duties put every credit call on record. Trim the per-loan cost
of running an ACL book without weakening suitability checks.
60%
cost reduction
Bureau scorecards alone overlook thin-file applicants and underprice near-prime risk. Models
trained on live CDR transaction data lift accuracy across every credit segment.
3x
scoring accuracy
Suitability files, AFCA dispute packs, hardship notices. Cut the manual rekeying across
these workflows so underwriters and collectors apply judgement instead of copying fields.
44%
staff efficiency
Loan management software
built for the lending lifecycle
ACL-ready onboarding
Stand up a white-label application flow for personal credit, car finance, or BNPL customers.
Gather details a single time, connect the KYC and KYB tools you already trust, and flag risk on
each file before it reaches an underwriter.
Learn more
Configurable origination
Check suitability against CDR data, Equifax, Experian, and illion within one decisioning pass.
Adjust rules, pricing, and document templates across asset finance, personal loans, or secured
BNPL, then reuse that same flow whenever a new product goes live.
Learn more
Full-cycle servicing
Drive repayment schedules over BECS direct debit, NPP, and PayTo with a live ledger in view.
Handle hardship variations, payment pauses, and rate changes without spreadsheets, and log an
audit-ready record at every borrower touchpoint.
Learn more
Compliant collection
Work arrears within NCC hardship rules using segmentation by delinquency bucket, outreach across
several channels, and AI models that match a recovery path to each borrower under financial
difficulty.
Learn more
Get your lending
product estimate
in 3 minutes
STEP:
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Digital onboarding
Digital onboarding shaped for Australian lending rules
HES LoanBox AI-powered loan management system moves applicants from first tap to signed contract
without long forms or unclear pricing. Capture what underwriters need, log each step on an
audit-ready trail, and stop your team rekeying details between systems.
A built-in calculator shows applicants amounts, terms, and repayments against the
comparison rate. Showing the full cost early cuts drop-off and supports the up-front
disclosure that responsible lending expects, with no surprises after the credit
check.
Faster decisions without dropping checks
Borrowers key in details, upload documents, share CDR data, and e-sign on any
device. Identity, suitability, and credit checks happen together, so a decision
lands in minutes, not days, with the responsible-lending record intact.
Keep borrowers close after payout
Through a self-serve portal, borrowers see the schedule, check the balance, request
a new payment date, or lodge a hardship notice without calling in. Reminders by SMS
and email reduce missed direct debits, and the audit log captures every action.
Grow through brokers and aggregators
Give brokers and aggregators a co-branded portal to bundle deals and follow decision
status live. Track submission volumes, channel mix, and approval rates from one
dashboard, with no separate broker system to stand up.
Loan origination
Faster loan origination
through AI and automation
Rekeying and month-old bureau files stretch Australian consumer credit decisions out by weeks. Live
CDR data, OCR for payslips and bank statements, and built-in e-signature make each application a
fast, defensible call, and trim up to 90% of document-handling cost.
Verify identity, screen against sanctions, and run a biometric check in seconds,
then each file picks up Equifax, Experian, or illion data, CDR transactions, and ABN
or ASIC lookups where the applicant is self-employed.
Underwriting that follows your risk policy
Clear loans up to 80% faster on an engine tuned to your responsible lending policy.
Choose automated, hybrid, or manual decisions by risk band, ticket size, or product,
without giving up conversion or your compliance line.
Approve more of the good risk
Build scorecards yourself, rule by rule, then adjust them as the book matures. Or
turn on
GiniMachine, the AI scoring engine built into HES LoanBox; it learns from each funded decision
and pushes accuracy up to 3× over bureau-only models. Either way, NPLs drop up to
40%.
And other loan origination features
Unlimited product range
One core carries every product you offer, whether personal loans, car finance, or BNPL.
Define pricing, fees, schedules, and eligibility through configuration, not a developer
ticket.
Customizable application flow
Build lending journeys on a no-code canvas, without waiting on engineering to ship. Lay out
the approval gates and routing logic, then release a new product within days as obligations
shift.
Roles-based access
Keep borrower data behind role-based permissions, password rules, per-device controls, and
two-factor login. Each user action is written to an audit trail ready for ASIC and Privacy
Act review.
Compliant agreements in seconds
Assemble binding loan contracts from dynamic templates in moments. Pre-contract disclosures,
credit contracts, and repayment schedules build in one pass, worded to Australian consumer
credit expectations.
Configurable lending workflows for Australian lenders
Loan servicing
Complete Australian loan management software
Servicing across Excel and a few half-linked legacy tools quietly drains margin and trust. HES
LoanBox carries the whole loan lifecycle on live data, terms you can configure, and integrated
payments, so servicing stays clean and audit-ready.
Take each loan from drawdown to final payout on configurable workflows. Interest
accrual, default fees, restructures, refinances, and payout quotes follow the rules
you set, while a single record holds the borrower's applications, live loans, and
complaints.
Adjust terms on the fly
Hardship rules and responsible lending mean loans rarely run as first written. Set
up the variations borrowers really use, payment pauses, term extensions, rate
changes, part payments, or restructures. Staff apply each in minutes, and the audit
trail captures every change.
Payments on Australian rails
Link to BECS direct debit, NPP, PayTo, BPAY, and card rails via pre-built provider
connectors. Schedule disbursements, auto-match incoming repayments, and keep
cardholder data inside your acquirer's PCI scope, where it sits.
Stronger loan portfolio performance
through AI risk intelligence
Explainable scoring for ASIC review
Run predictive scoring along the full Australian lending path, from first screen out to NPL
forecasting. Reason codes stay legible to your credit committee and an ASIC reviewer.
AI accuracy at scale
Trained on your own book, AI scoring raises accuracy up to 3× over bureau-only scores,
drawing on live transactions, not credit files from three months back.
Risk-based pricing controls
Tune thresholds per segment, catch affordability stress before it becomes arrears, then
re-price as refinancing pressure reshapes borrower cashflow.
Debt collection
AI-driven debt collection software
for Australia
In Australia, hardship duties and ASIC's focus on customers under pressure make collections a
compliance matter, not only recovery. HES LoanBox steers each account along workflows built around
affordability, hardship flags, and the rate and fee limits your licence sets.
Take repetitive chasing off your team and keep arrears cases moving without
bottlenecks.
Reach borrowers across email, SMS, voice, an outbound dialler, and WhatsApp
Route cases by delinquency bucket and product using ready or custom
workflows
AI-tuned strategy for each case
Replace blanket dunning with recovery plans set per borrower from behaviour.
Pick the communication sequence that lifts positive responses
Let AI tune channel, tone, timing, and wording
Rank the book so accounts with genuine recovery odds rise first
Project incoming cash and write-off exposure ahead of the next AASB 9 cycle
Fee and interest charges under licence limits
Charge overdue interest and fees only up to the caps your credit licence allows.
Set rules for fees and interest at the product level
Hold clear borrower messaging plus an audit trail ready for ASIC review
Lending reporting and analytics
HES LoanBox turns the lending metrics your CFO and credit committee watch into live dashboards. Pull
raw data for regulatory reporting, define custom metrics, and split the book by vintage, channel, or
product.
100+ Australian and global integrations for your lending stack
HES LoanBox ties into the tools your team already runs, with ready-made links to Equifax, Experian,
illion, Basiq, Frollo, BECS, and NPP, plus the core-banking, accounting, and KYC systems beside
them.
Why Australian lenders pick HES LoanBox
Unlimited customisation
Adjust modules, rework the borrower flow, and link any Australian service from CDR to
payment rails, then own the code with no lock-in.
Transparent pricing
Licence is what you pay for; custom build is the only add-on. Borrowers, brokers, and
internal users are all unlimited, with no per-seat charge as the book grows.
3-month launch for Australian lenders
Go live on a standard setup in roughly 3 months. Start lending sooner, reach ROI faster, and
keep tuning the platform as you scale.
Australian lending expertise
Lean on a team of analysts and engineers with over a decade building and running lending
products for banks, mutual banks, fintechs, and non-bank specialist lenders.
Bank-grade security
ISO 27001 certified, SOC 2 aligned. Run on AWS, Google Cloud, on-premises, or hybrid, on a
secure Java LTS stack with regular updates.
Dedicated support
Get quick help from a support team fluent in Australian lending and working in your
timezone.
ISO 27001 certification, SOC 2 alignment, and SDLC keep security tight
across every operation, with full data encryption, role-based access, audit
trails ready for ASIC review, and a hardened hosting setup.
HES LoanBox deploys on AWS, Google Cloud, on-premises, or in a hybrid setup,
matching your IT estate and your board's data preferences.
Open-source backend stack
HES LoanBox runs on free and open-source foundations like Java LTS, BPMN
2.0, Camunda, and Form.io modeler. The stack keeps licensing fees off the
table apart from the platform source code, so Australian teams know what
they own.
The 2026 reality of
Australian lending
$2.18B
lost to scams in 2025
Australians reported
A$2.18 billion
in scam losses across 2025, led by investment and payment-redirection fraud. Layered
identity, CDR, and device checks catch more of it before payout.
100k
complaints to AFCA in 2024-25
AFCA logged
100,745 complaints
in 2024-25, and banking and finance made up 54% of them. Clean audit trails and quick
hardship handling keep disputes from escalating.
Jun ’25
BNPL under the Credit Act
From
10 June 2025, BNPL providers need an Australian Credit Licence and suitability checks. Only automated
affordability decisioning can clear those checks at the point of sale.
7.4%
annual growth in Australian credit
Total credit grew
7.4%
in the year to November 2025, with business lending at its fastest pace since 2008. Volumes
climb faster than headcount, pushing lenders to drive down the cost of each decision.
Start Australian lending in 3 months
You grow the Australian book; HES LoanBox runs everything
behind it.
How can HES LoanBox benefit my lending business in Australia?
HES LoanBox gives Australian lenders a single platform that is secure, automated, and fully
digital. It lifts throughput, cuts error rates, keeps you in step with local regulatory
expectations, and brings strong reporting and task tools. The payoff is faster processing, a
smoother borrower experience, and healthier margins.
Can HES LoanBox integrate with our existing systems in Australia?
Yes. HES LoanBox is built to connect with the systems you already run through APIs, linking
to Australian KYC providers, the credit bureaus, CDR data platforms, and the other financial
tools around them, so work flows cleanly across your stack.
How long does implementation take for Australian lenders?
On average an Australian rollout takes around 3 months, depending on how complex your
requirements and current infrastructure are. Deployment is quick by design, and our team
works beside yours to keep setup smooth from start to launch.
What makes the software tailored for the Australian market?
The platform bends to Australian lending needs. HES LoanBox handles responsible lending and
DDO workflows and connects to Equifax, Experian, and illion for credit data, CDR providers
like Basiq, Frollo, or illion Open Data, and more. It runs affordability assessments and the
reporting local lenders need, and we shape integrations and workflows around your licence
conditions and chosen providers.
Which types of Australian lending does HES LoanBox support?
It fits most Australian lending models. If you offer personal loans, car finance, SACC or
MACC, bridging, asset finance, BNPL, or P2P, HES LoanBox can handle it. Its modular build
lets us configure workflows, risk controls, and compliance logic around the lending you
provide.
Does HES LoanBox support BNPL under the new Credit Act?
Yes. Since BNPL moved under the National Credit Act on 10 June 2025, providers need an
Australian Credit Licence, AFCA membership, and modified responsible lending. HES LoanBox
runs the suitability checks, fee-cap logic, hardship handling, and disclosures that low-cost
credit contracts require, configured to your product.
Book a demo
HES FinTech has been our reliable technology partner since 2012. We owe much of
our success to their well-architectured solution.
Boris Batine, CEO at ID Finance
HES FinTech offers comprehensive front-to-back solutions with integrations. Our
machine learning platform will allow clients best-in-class investment advice.
Edward Downpatrick, Strategy Director at Fintuity
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.
Hjortur H. Jonsson, Partner at ALM Securities
HES developed our lending software and predictive analytics. Their expertise
delivered automation, clear UI/UX, and customer portal.
Mazen Alasnag, Head of Loan Management at Wa’ed
The LMS provided flexible repayment options, automated restructuring and
branch-level management, enhancing efficiency and risk mitigation.
