Built for Canadian banks, credit unions, alternative lenders, and BNPL providers. One platform that
covers consumer-driven banking, cost-of-borrowing disclosure, and the full loan lifecycle.
Every charge has to sit under the 35% APR cap and clear cost-of-borrowing disclosure. Cut
what each loan costs to process, checks fully intact.
60%
cost reduction
With only Equifax and TransUnion to read, thin-file and near-prime borrowers get mispriced.
AI models that learn from richer data sharpen decisions across the book.
3x
scoring accuracy
Disclosure packs, OBSI complaint files, hardship notices still keyed by hand. Automate
rekeying; underwriters, collectors focus on judgment, not data entry.
44%
staff efficiency
Loan management software
for every stage of Canadian lending
Disclosure-ready onboarding
Spin up a branded application journey for personal loans, auto finance, or BNPL borrowers.
Collect each detail once, plug in your existing KYC and KYB checks, and surface risk on every
file before an underwriter opens it.
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Configurable loan origination
Test affordability against Equifax, TransUnion, and bank-statement data in a single decisioning
run. Adjust rules, pricing, and document sets for auto, personal, or secured lending, then reuse
the same flow whenever you roll out another product.
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Full-term servicing
Run repayment schedules over pre-authorized debit, EFT, and Interac, with the ledger live in
front of you. Process hardship arrangements, deferrals, and repricing without a single
spreadsheet, logging an audit-ready trail at each borrower touchpoint.
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Compliant debt collection
Manage arrears within provincial collection rules: group cases by delinquency band, reach out
across multiple channels, and let AI models pick the recovery path that fits each borrower in
financial difficulty.
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Get your lending
product estimate
in 3 minutes
STEP:
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Digital onboarding
Digital onboarding: from loan application to signature
With HES LoanBox, applicants go from the first tap to a signed agreement, no long forms and no
guesswork on price. The loan management system logs the details underwriters need, writes every step
to an audit-ready log, and stops staff rekeying between systems.
Provide your borrowers with a bilingual en/fr portal, that shows every term of the
loan before they apply. From there they upload documents, link their bank accounts,
and sign. The checks start the moment the
application does: identity, affordability, Equifax and TransUnion, all in parallel.
Email and SMS updates keep borrowers informed at every step, with a reminder ahead
of each pre-authorized debit.
Add the broker and dealer channel
Hand brokers and dealers a co-branded workspace to submit deals and see decision
status as it changes. Watch submission volume, channel split, and approval rates on
one dashboard, without a separate broker platform to maintain.
Loan origination
Speed up loan origination
with automation and AI
Manual rekeying and weeks-old bureau pulls slow Canadian credit decisions to a crawl. Pull
bank-statement data, OCR pay stubs and statements, and e-sign in the flow, so each file becomes a
quick, defensible call with up to 90% less document handling.
Confirm identity, screen against sanctions and PEP lists, and clear a document check
within seconds. Each file then pulls Equifax and TransUnion records, bank
transactions, and business-number or director lookups for self-employed applicants.
Underwriting that runs on your rules
Clear applications in hours rather than weeks, on a decision engine set to your own
credit policy. Pick automated, hybrid, or manual review per risk band, ticket size,
or product, with no hit to conversion and no slack on compliance.
Say yes to more good borrowers
Configure your own scorecards, rule by rule, and refine them as the portfolio grows.
Or bring in
GiniMachine, HES LoanBox's built-in self-learning scoring engine; it learns from every funded
loan and pushes accuracy as high as 3x over bureau-only scorecards. Either route can
take 40% off your NPLs.
More loan origination features
Every product on one core
A single core runs your whole product set, personal loans, auto, BNPL alike. Configure
pricing, fees, schedules, and eligibility yourself, with no developer ticket in the loop.
Build your own application flow
Map the borrower journey on a no-code canvas, with no engineering queue in the way. Place
your decision gates and routing rules, then go live in days whenever the rules move.
Role-based access control
Lock borrower records to role-based permissions, password policies, and two-factor login.
Each action a user takes is captured in the audit log, ready for a privacy or examination
review.
Loan agreements built in seconds
Draft enforceable loan contracts from templates on the spot, in English or French.
Disclosure statements, credit agreements, and payment schedules come out in one pass, set up
for Canadian cost-of-borrowing disclosure.
Loan servicing
Complete loan management software for full-term servicing
Excel plus a few barely connected legacy tools is how margin and trust quietly leak out of
servicing. HES LoanBox keeps the whole lending lifecycle on one live dataset, with configurable
terms and built-in payments, so servicing stays tidy and audit-ready.
Carry a loan the whole way, from first drawdown to full payoff, on workflows you
control. Interest accrual, default fees, restructures, refinances, and payout quotes
all follow your rules, and one record keeps the borrower's applications, active
loans, and complaints together.
Adjust terms without a rebuild
Hardship and changing circumstances mean few loans run exactly as booked. Pre-build
the options borrowers actually need: payment deferrals, term extensions, rate
changes, partial payments, restructures. Each takes a staffer minutes to apply, and
every change lands in the audit trail.
Payments on Canadian rails
Wire up pre-authorized debit, EFT, Interac e-Transfer, and card networks through
ready-made provider connectors. Schedule disbursements, auto-match repayments as
they land, and card data stays within your acquirer's PCI scope, where it belongs.
Debt collection
AI debt collection software
for lenders
In Canada, hardship handling and provincial collection rules make recovery a compliance question,
not just a cash one. HES LoanBox guides each account through workflows shaped by affordability,
hardship flags, and the fee and rate ceilings set by the 35% cap.
Take the routine chasing off your people, and every arrears case keeps moving.
Reach borrowers by email, SMS, voice, an outbound dialer, and WhatsApp
Route each case by arrears band and product using prebuilt or custom flows
An AI-tuned plan for each account
Swap blanket dunning for a recovery plan tuned to each borrower's behavior.
Choose the message sequence that earns more positive responses
Hand AI the channel, tone, timing, and wording
Push accounts with a real chance of recovery to the top of the queue
Forecast collections and write-off exposure before each IFRS 9 reporting
cycle
Overdue charges held under the 35% cap
Cap overdue interest and any fee at the 35% APR ceiling, never above.
Configure interest and fee rules product by product
Keep borrower messaging clear, with an examination-ready audit trail behind
it
100+ Canadian and worldwide lending integrations
HES LoanBox drops into your existing stack, with prebuilt connectors for Equifax, TransUnion,
Flinks, VoPay, Interac, and EFT, sitting next to your core-banking, accounting, and KYC tools.
Why Canadian lenders choose HES LoanBox
Unlimited customization
Reshape modules, rebuild the application flow, or have a solution built from scratch, then
wire in any Canadian service from bureaus to payment rails.
Transparent pricing
The license is the cost, with a custom build the only add-on, and source-code ownership
optional. Borrowers, brokers, and staff are all included, no per-seat fee as the book
scales.
Launch in 3 months
A standard setup goes live in about 3 months; a from-scratch build runs nearer 3 to 4.
Either way you start lending sooner and keep refining as you scale.
Deep lending expertise
Draw on analysts and engineers, each with a decade-plus shipping and operating lending
products across banks, credit unions, fintechs, and alternative lenders.
Bank-grade security
SOC 2 aligned and ISO 27001 certified. Deploy on AWS, Google Cloud, on-premises, or hybrid,
on a hardened Java LTS stack kept current with regular updates.
Dedicated support
Reach a support team that knows Canadian lending, keeps your business hours, and answers in
English or French.
ISO 27001 certification, SOC 2 alignment, and a controlled SDLC keep every
operation locked down: full data encryption, role-based access, audit trails
fit for examination, and hardened hosting.
HES LoanBox can sit on AWS, Google Cloud, on-premises, or a hybrid mix,
matched to your infrastructure and to where your board wants Canadian data
held.
Open-source backend stack
HES LoanBox stands on free, open-source foundations: Java LTS, BPMN 2.0,
Camunda, and the Form.io modeler. The stack carries no licensing fees of its
own; you license the source code and nothing more, so Canadian teams know
exactly what they own.
Lending in 2026:
the key numbers
10.7%
rise in 90+ day card delinquencies
Canadian credit card balances 90+ days past due rose
10.7%
year over year into Q4 2025. Earlier risk flags and AI-tuned collection keep more of that
book current.
$3.2T
in household credit, Q3 2025
Canadian household credit market debt reached almost
$3.2 trillion
in Q3 2025, with non-mortgage consumer credit still climbing. A modular core lets lenders
scale into that demand without re-platforming.
31%
rise in first-party fraud
First-party fraud in Canada climbed
31%
year over year from Q4 2024 to Q4 2025. Layered identity, document, and bank-data checks
stop more of it reaching payout.
9M
Canadians sharing data by screen-scraping
About
9 million
Canadians still share banking credentials through screen-scraping. Consumer-driven banking
replaces that with secure API access, and the platform is ready for it.
Start lending in 3 months
You grow the Canadian book, and HES LoanBox
keeps everything behind it running.
Will HES LoanBox integrate with the systems we already run in Canada?
Yes. Through its APIs, HES LoanBox links to whatever you already operate, Canadian KYC
vendors, Equifax and TransUnion, open-banking aggregators like Flinks or VoPay, and the
surrounding financial tools, so data moves cleanly end to end.
What security measures protect borrower data?
Protection runs deep: encryption, secure storage, role-based access, and routine audits. It
carries ISO 27001 certification, with SOC 2 alignment on top, and backs your duties under
PIPEDA and Quebec's Law 25, keeping borrower data protected throughout.
What makes the platform fit the Canadian market?
It is shaped to Canadian lending. Cost-of-borrowing disclosure and hardship flows are built
in, credit data comes from Equifax and TransUnion, bank data from aggregators like Flinks or
VoPay, affordability runs automatically, and the reporting Canadian lenders rely on is
there. Integrations and workflows get tailored to your licensing and providers.
Which Canadian lending types does HES LoanBox support?
Most Canadian lending models fit. Whether you write personal loans, auto finance, lines of
credit, MIC or mortgage products, SME credit, BNPL, or P2P, the platform handles it, with
modules configured to your workflows, risk controls, and compliance logic.
Does HES LoanBox support BNPL under the 35% rate cap?
Yes. With the criminal rate down to 35% APR since 1 January 2025, every fee and charge has
to sit beneath that line. The platform runs affordability checks, fee-and-interest cap
logic, hardship handling, and the disclosures that compliant Canadian lending, BNPL
included, now calls for, set 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.
