Loan management software for
Canadian lenders
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.
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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.
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.
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.
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.
Get your lending
product estimate
in 3 minutes
STEP:
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Digital onboarding
Digital onboarding tuned
to Canadian lending rules
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.
Explore digital onboarding
Show the cost of borrowing up front
Faster decisions, no checks skipped
Stay close after the loan funds
Add the broker and dealer channel
Transform leads into borrowers
Landing Page
Agent Portal
Integrated plugin
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.
Explore loan origination
Prove identity, build the borrower file
Underwriting that runs on your rules
Say yes to more good borrowers
Enable 24/7 borrower interaction
Application flow
Borrower profile
Activity
Decision-making
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 Canada
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.
Explore loan servicing
Take loans from drawdown through payoff
Adjust terms without a rebuild
Payments on Canadian rails
Gain control of your lending processes
Deal management
Active loan
Debt collection
Product engine
Task management
Scoring
AI risk intelligence
for a stronger loan portfolio
Explainable scoring for examiner review
Score predictively along the whole Canadian credit path, from intake right through to NPL
forecasting. Reason codes read clearly for the credit committee and for any examiner who
asks.
Accuracy that scales with your book
Built on your own portfolio, the AI lifts accuracy as high as 3x over bureau-only scores,
reading live transaction data rather than credit files from months ago.
Risk-based pricing controls
Set thresholds per segment, spot affordability strain well ahead of arrears, and re-price
under the 35% cap as rates shift.
Debt collection
AI debt collection software
for Canadian 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.
Explore debt collection functionality
Automate the entire arrears workflow
An AI-tuned plan for each account
Overdue charges held under the 35% cap
Reporting and analytics for lenders
HES LoanBox renders the numbers your CFO and the credit committee follow as live dashboards. Pull
raw extracts for regulatory filings, set up custom metrics, and break the book down by vintage,
channel, or product.
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.
3-month launch for Canadian lenders
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.
Canadian 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.
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 a controlled SDLC keep every
operation locked down: full data encryption, role-based access, audit trails
fit for examination, and hardened hosting.
Learn more
Cloud, on-premises,
or hybrid
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.
The 2026 reality of
Canadian lending
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.
Canadian lending
in 3 months
You grow the Canadian book, and HES LoanBox keeps everything behind it running.
