Loan management system for
Philippine lenders
Built for banks, financing and lending companies, digital banks, and cooperatives. One platform for CIC
credit data, transparent pricing, and servicing across the cycle.
Get a free demo
Loan management system
for the whole lending cycle
SEC-ready onboarding
One borrower journey covers salary loans, microfinance, and BNPL.
Applicants enter their details once, identity and screening checks run inside the flow, and weak files get flagged before a credit officer opens them.
Applicants enter their details once, identity and screening checks run inside the flow, and weak files get flagged before a credit officer opens them.
Configurable origination
Pull credit and affordability data from CIC, CIBI, and TransUnion in a single screening step.
Set pricing, rules, and disclosure documents per product, whether personal, auto, or BNPL, and clone that setup for whatever you launch next.
Set pricing, rules, and disclosure documents per product, whether personal, auto, or BNPL, and clone that setup for whatever you launch next.
Full-cycle servicing
Repayments post from InstaPay, PESONet, and auto-debit straight onto a live ledger.
Restructures, payment holidays, and re-pricing happen in the system, not in Excel, and every action lands in a record you can audit later.
Restructures, payment holidays, and re-pricing happen in the system, not in Excel, and every action lands in a record you can audit later.
Compliant collection
Run arrears within fair-collection limits. Cases sort by delinquency stage, outreach goes out
over SMS, voice, and e-wallet reminders, and AI sets the recovery approach that fits each
struggling borrower.
Get your lending
product estimate
in 3 minutes
STEP:
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Digital onboarding
Digital onboarding that fits
Philippine lending
Long forms and unclear pricing are where applicants give up. HES LoanBox walks them from the opening
tap to a signed agreement, collects only what your underwriters actually need, and keeps a clean
record of every step, so no one retypes the same data across three systems.
Explore digital onboarding
Show the full cost up front
Faster decisions without dropping checks
Keep borrowers close after payout
Grow through agents and partners
Turn leads into loyal borrowers
Landing Page
Agent Portal
Integrated plugin
Loan origination
AI and automation
for faster loan origination
When data is rekeyed by hand and bureau files are weeks old, a simple decision drags on. Pull live
bank and e-wallet feeds, read payslips and IDs with OCR, and sign in the app, and each file becomes
a quick, defensible yes or no, with document handling down by as much as 90%.
Explore loan origination
Verify identity, build the borrower picture
Underwriting that follows your risk policy
Approve more of the good risk
Allow 24/7 borrower access
Application flow
Borrower profile
Activity
Decision-making
Unlimited product range
A single core handles your whole catalog, personal and salary loans, auto, BNPL, and the
rest. Set pricing, fees, repayment schedules, and eligibility in configuration, not in a
developer's backlog.
Customizable application flow
Design the borrower journey without code, on a drag-and-drop builder. Map out where
approvals happen and how cases route, then ship a new product in days when the rules move.
Roles-based access
Borrower data stays behind role permissions, password policies, per-device limits, and
two-factor sign-in. Every action a user takes lands in an audit trail you can hand to a
reviewer.
Agreements in seconds
Generate enforceable loan agreements in seconds from dynamic templates. Disclosure
statements, the contract itself, and the repayment schedule come out together, worded to
what Philippine lending rules expect.
Configurable lending workflows for Philippine lenders
Loan servicing
Complete loan management system for Philippine lenders
Run servicing on spreadsheets and a couple of loosely wired tools and you quietly bleed margin, and
borrower trust with it. HES LoanBox holds a loan's entire lifecycle on one set of live data, with
terms you configure and payments built in, which keeps the work clean and review-ready.
Explore loan servicing
From release to payoff, automatically
Adjust terms on the fly
Payments on Philippine rails
Complete control over lending processes
Deal management
Active loan
Debt collection
Product engine
Task management
Scoring
A healthier loan book
through AI risk scoring
Explainable scoring for examiners
Score every stage of the loan, from the first applicant screen through to NPL forecasting.
The reason codes behind each result stay clear enough for your credit committee, or an
examiner, to read.
AI accuracy at scale
Learning from your own portfolio, the AI lifts accuracy up to 3x beyond bureau-only scores,
working from live transaction behavior instead of a credit file pulled months ago.
Risk-based pricing controls
Set thresholds segment by segment, spot repayment strain before it turns into arrears, and
adjust pricing as a borrower's cashflow changes.
Debt collection
AI debt collection software
for the Philippines
In the Philippines, rules on fair collection and strict data-privacy duties turn recovery into a
compliance question, not only a cash one. HES LoanBox runs each account through workflows shaped by
affordability, respectful contact, and the fee ceilings you operate under.
Explore debt collection functionality
Automate the full arrears workflow
AI-tuned strategy for each case
Fees and interest within the limits you set
Lending reporting and analytics
HES LoanBox puts the metrics your CFO, controller, and credit committee follow onto live dashboards.
Export the raw data regulators ask for, build your own metrics, and slice the portfolio by vintage,
by channel, or by product.
100+ integrations
for your Philippine lending stack
HES LoanBox plugs into the stack you already run, with prebuilt connectors for CIC, CIBI, and
TransUnion, the InstaPay and PESONet rails, and your accounting, core-banking, and KYC tools.
Why Philippine lenders
choose HES LoanBox
Unlimited customization
Reshape modules, redesign how borrowers move through it, and hook in any local service, from
CIC to the payment rails. You own the source code, with no vendor lock-in.
Transparent pricing
You pay for the license; a custom build is the only add-on. Borrowers, agents, and internal
users are all unlimited, with no per-seat fee as the book grows.
3-month launch
A standard build goes live in about 3 months. You lend sooner, hit ROI earlier, and keep
refining the platform as volumes climb.
Philippine lending expertise
Work with the analysts and engineers behind a decade-plus of lending products built for
banks, non-bank lenders, and fintechs.
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
Reach a support team that understands lending and keeps your business hours.
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 hold security tight
across every operation, with full data encryption, role-based access, audit
trails ready for 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 your team knows what it owns.
The 2026 reality of
Philippine lending
50.2%
account ownership in 2024
The World Bank 2025 Findex put
account ownership
at 50.2% of Filipino adults, below the lower-middle-income average. Alternative-data scoring
reaches the thin-file borrowers a bureau pull alone misses.
57.4%
of retail payments digital
The BSP reported
57.4% of retail transactions
went cashless in 2024, past its own target. Disbursing and collecting over InstaPay and
PESONet keeps servicing on the rails borrowers already use.
Jun 2026
AFASA auth deadline
Under BSP
Circular 1213, supervised lenders must drop SMS and email OTPs for high-risk actions by 30 June 2026 in
favor of stronger methods. Step-up identity and device checks are built in, with every step
logged.
76%
of 2025 fraud losses
Social engineering, account takeover, and identity theft drove
76% of fraud losses
the BSP tracked in 2025. Layered identity, device, and KYC verification stops more before
money moves.
