Loan management software
for Australian lenders
Built for lenders, ACL-holding banks, mutual banks, and BNPL providers. A single platform for CDR data,
responsible lending, and full loan servicing.
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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.
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.
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.
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.
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.
Handle hardship variations, payment pauses, and rate changes without spreadsheets, and log an audit-ready record at every borrower touchpoint.
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.
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.
Show the full cost up front
Faster decisions without dropping checks
Keep borrowers close after payout
Grow through brokers and aggregators
Transform leads into loyal borrowers
Landing Page
Agent Portal
Integrated plugin
Ensure 24/7 borrower access
Application flow
Borrower profile
Activity
Decision-making
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, build the borrower picture
Underwriting that follows your risk policy
Approve more of the good risk
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.
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.
From drawdown to payoff, automatically
Adjust terms on the fly
Payments on Australian rails
Gain control of lending workflows
Deal management
Active loan
Debt collection
Product engine
Task management
Scoring
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.
Automate the full arrears workflow
AI-tuned strategy for each case
Fee and interest charges under licence limits
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.
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.
Security
Deployment
Tech stack
ISO 27001 security
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.
Learn more
Cloud, on-premises,
or hybrid
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
A$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.
100,745
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 2025
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.
