A fully digital Islamic finance platform that automates origination, servicing, and collections across
Shariah-compliant products, with AI scoring and controls aligned to SAMA expectations.
Cut the per-loan operating cost across conventional and Sharia-compliant products. Connect
Nafath, SIMAH, decisioning, and disbursement into one flow that removes rekeying from every
retail file.
60%
cost reduction
Lend confidently to salaried expats, new-to-credit Saudis, and SME owners. AI scoring
layered on Open Banking transactions and behavioural signals reads income the SIMAH bureau
pull alone cannot.
3x
scoring accuracy
Handle ten times more files without growing the team. Auto-pull Iqama, GOSI subscription,
salary letters, and Wathq records into one applicant file underwriters and servicing agents
can act on.
10x
staff efficiency
Transform your lending operations
Our software revolutionizes lending by enabling end-to-end digital loan management – from
origination through servicing – on any device, at any time.
Comply with SAMA regulations
HES LoanBox is a maturity-level-3 software designed to meet Saudi ethical standards and
regulatory requirements at all levels, including local data storage with ORACLE.
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Saudi-ready lending software
Our loan management system features direct connections to regional banking systems and local
service platforms, which enhance operational efficiency and ensure compliance.
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White-label landing page
Choose your own design for a user-friendly loan website enhances user engagement and boosts
application numbers.
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Simplify your customers' loan journey
Provide a personal space where borrowers can control every aspect of their loan journey – from
application to digital KYC verification.
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Manage all lending operations in one place
Optimize your operations with our API-rich Back Office, offering loan products, real-time data,
amortization schedules, automated calculations, and everything else you need to grow your
business.
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Boost revenue with AI-powered credit scoring
GiniMachine AI harnesses machine learning to analyze complex data patterns, enhancing accuracy
in credit decisions, reducing NPLs, and enabling more reliable credit assessments.
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Built on the latest tech stack
Scalability, performance, and security are ensured by the modern tech stack, incorporating
open-source technologies, that we use to develop HES LoanBox.
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Get your lending
product estimate
in 3 minutes
STEP:
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Online onboarding
Digital onboarding built for Saudi Arabia borrowers and SAMA rules
Saudi applicants drop off when paperwork drags on, and SAMA wants every step on file. One journey
pulls Nafath, SIMAH, and Open Banking data once, then keeps every consent and audit signal in place.
Show the monthly instalment before the application starts
A built-in calculator shows finance amount, tenor, and monthly payment against
representative profit or interest rate. Applicants commit with a clear total cost in
mind and Responsible Lending Principles supported from step one.
From Nafath to signature on one device
Applicants authenticate with Nafath, share account data through your SAMA-licensed
Open Banking provider, upload supporting files, and sign the contract from a phone.
Identity, affordability, and DBR checks run side by side, and the SAMA paper trail
builds itself.
Borrowers handle contract after disbursement
The Saudi borrower portal shows balance, schedule, and payoff quote, takes a payment
date change, and routes a hardship request to your team. WhatsApp, SMS, and email
reminders keep missed instalments rare.
Grow through dealer and merchant partnerships
Auto dealers, retail merchants, real estate brokers, and SAMA-licensed finance
aggregators get a branded portal to send applications and follow decisions live.
Loan origination
Move Saudi applications from application
to funded contract
in minutes
Manual rekey between SIMAH, salary letters, and bureau data adds days to every Saudi credit
decision. HES LoanBox brings identity, scoring, and contract setup into one pass and cuts document
handling costs by up to 90%.
Nafath authentication, sanctions screening, and biometric matching run in parallel.
The platform pulls SIMAH FICO Score, salary transfer history, Open Banking signals
via licensed providers, and Iqama validity, so the file lands ready to decide on,
not ready to chase.
One engine for conventional, Murabaha, and Ijara files
Configure straight-through approval for small-ticket personal finance, hybrid review
for mid-ticket auto and SME files, and full committee routing for large mortgage or
Sharia-sensitive cases. DBR and affordability rules sit in one builder you edit,
with no developer ticket between policy change and live underwriting.
Score thin-file Saudis and expats the bureau alone cannot read
uild your own scorecards rule by rule and tune them as the book moves, or switch on
GiniMachine AI scoring, the engine inside HES LoanBox that learns from every funded contract, lifting
accuracy up to 3× versus SIMAH-only models. Either path cuts NPLs by up to 40% and
opens credit to segments banks usually reject.
Configurable Islamic lending workflows
Islamic loan servicing
Manage every step of the loan
lifecycle in one place
Disbursement, scheduled instalments, rate switches, restructuring, early settlement, write-off.
Every event a Saudi loan goes through over its tenor sits in one tool.
The same engine handles disbursement, profit and interest accrual, fee calculation,
rescheduling, partial settlements, and early payoff quotes. Whether the contract is
conventional personal finance, auto, mortgage, or a Murabaha or Ijara structure, the
lifecycle runs to the rules your team configured.
Borrower-requested changes applied in minutes
Saudi borrowers ask for grace periods, instalment date shifts, partial settlements,
tenor extensions, or product switches throughout the contract. Your operations team
applies each change in the same screen the underwriter approved the deal in, and
every adjustment lands on the audit log automatically.
Saudi payment rails wired into servicing
Plug into mada, sarie, SARIE for interbank disbursement, and SADAD for bill
repayments through pre-built connectors. Push outbound transfers on schedule, match
incoming payments to the right contract, and leave card data with your processor.
Debt collections
Saudi debt recovery software powered by AI
SAMA's debt collection rules and a mixed Saudi book of conventional and Islamic contracts turn every
arrears file into both a recovery case and a conduct review. HES LoanBox routes accounts through
workflows tuned for product, contract type, and channel.
Move each Saudi case from first missed instalment to recovery without bottlenecks.
Reach borrowers through WhatsApp, SMS, voice, and email
Apply workflows by delinquency bucket, product, and contract type
Keep every contact, attempt, and outcome on the borrower file
AI picks the right strategy per borrower
Drop generic dunning scripts for behaviour-tuned recovery built on your book.
Pick the channel, day, and time each borrower is most likely to answer
Tune wording for conventional borrowers and Sharia tone for Islamic
contracts
Score the arrears book and prioritise files with real recovery odds
Watch propensity to pay shift as each case progresses
Late charges set up for Saudi rules
Configure overdue charges by product and contract type with full file transparency.
Apply conventional late fees within your product configuration
Route Islamic-contract late charges to charity on a separate accounting line
Seamless integrations
Open banking
Secure and reliable banking integration that connects businesses with users' bank accounts,
fostering innovation and streamlined financial services in the Middle East.
Payment processing
Efficient and secure transaction platforms specializing in Islamic finance, ensuring smooth
and compliant commodity trading under credit agreements.
KYC/KYB
Advanced identity verification services that leverage advanced digital technologies and
local expertise to ensure accurate and secure KYC and KYB processes.
eSignature
Advanced eSignature solutions that facilitate seamless online and offline agreement signing,
enhancing document management and ensuring legal compliance in digital transactions.
Reporting
Integrated reporting solutions powered by leading analytics platforms, offering dashboards,
reports, and automated online analytics to provide actionable insights for better
decision-making.
Credit bureau
Access to multi-dimensional credit files for both commercial entities and individual
borrowers, providing detailed insights and facilitating informed lending decisions.
Our clients
Banks and alternative
lenders in Saudi Arabia
With a focus on harmonizing lending processes and enhancing customer experiences, HES
LoanBox transforms lending operations across the kingdom. Whether managing retail or
corporate clients, HES LoanBox provides a unified solution that simplifies processes and
delivers a consistent experience – all in compliance with SAMA regulations.
44%
boost in staff
efficiency
Why HES FinTech software?
Post-lauch support
We are always ready to assist you, ensuring smooth operations and continuous adaptation to help
your business derive maximum value from our software.
European-founded company
HES FinTech is trusted by 130+ businesses worldwide. Our expertise lets us deliver
best-in-class solutions tailored to meet the unique needs of our clients.
Saudi clients and partners
Our network is a testament to our commitment to regional engagement and tailored support.
How can HES LoanBox benefit lenders in Saudi Arabia?
HES LoanBox offers a wide range of benefits specifically tailored to meet the unique
needs of Saudi lenders, addressing both the operational challenges and regulatory
requirements characteristic of the Saudi Arabian financial landscape.
For example, the platform ensures that all transactions and lending processes adhere to
Islamic finance principles, making it an ideal solution for Saudi lenders who operate
under strict Sharia law.
With HES LoanBox, lenders can automate and streamline every stage of the loan management
process — from application and origination to servicing and collection. This
significantly reduces the time and effort involved in managing loans, and also minimizes
the risk of human error, enhancing the overall efficiency and reliability of lending
operations.
Our software is highly scalable, capable of supporting lending operations of any size —
from small institutions to large banks. Its modular design allows for easy customization
and integration with existing systems, ensuring that it can evolve alongside your
business and continue to meet your needs as you grow.
Is HES LoanBox compliant with Sharia law?
HES LoanBox is meticulously designed to align with the principles of Sharia law, ensuring
that all lending processes and products are compliant with Islamic finance standards. Our
software provides a flexible framework that can be customized to adhere to the specific
requirements of Sharia-compliant lending.
Does HES LoanBox facilitate integrations with local Saudi Arabian services?
Yes, HES LoanBox seamlessly integrates with an extensive array of local services, including
Wathq, SIMAH, Nafith, Elmm, and many others. This ensures adherence to local regulations and
maximizes operational efficiency within the Saudi Arabian financial ecosystem.
What kind of support does HES FinTech offer?
We provide comprehensive support including initial setup, training for your team, and
ongoing technical support. Our dedicated support team is available to assist with any
queries or issues you may encounter.
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.
