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Loan origination software
for smart
loan processing
Scale loan origination 10x while reducing credit risk with AI-powered decisioning software.
Scale loan origination 10x while reducing credit risk with AI-powered decisioning software
Robust loan origination
and servicing
Digital-first borrower journey
Deliver fully branded experiences on mobile and web. Streamline how customers request, control, and calculate loans. Includes KYC automation, smart verification, and digital document handling.
Advanced origination
Power instant approvals with customizable decision engines, machine-learning risk models, and broad data source connectivity. Modern loan origination software enables tailored qualification criteria, dynamic pricing strategies, and granular risk parameters.
Intelligent loan management
Centralize payment processing, disbursement workflows, and borrower engagement with complete portfolio transparency. From onboarding to servicing, optimized loan origination flow ensures seamless transitions and supports more accurate risk and collection strategies.
Online onboarding
Onboard borrowers in seconds
Digital onboarding defines modern lending success. Meet borrower expectations with instant applications, automated verification, and AI-powered decisioning. Convert more prospects in seconds, not days.
Empower informed decisions
100% Digital journey
Customer control center
Grow through partner channels
Smart task management for teams
Keep teams synchronized and efficient with automated task assignment, smooth interdepartmental handoffs, and real-time visibility into performance and progress.
Loan origination
Leverage loan origination
powered with AI/ML solution
Manual processing and fragmented information create blind spots that result in poor lending outcomes and increased losses. Replace them with AI-powered, accurate, automated, and regulation-ready lending decisions.
Know your customer from day one
Benefit from open banking data enrichment
Adaptive underwriting workflows
Complete digital documentation flow
Next-generation
credit scoring intelligence
Self-improving GiniMachine intelligence
Configure built-in scorecards by defining each parameter for full transparency and control. Create an accurate scoring system to reduce NPLs by up to 40% by combining internal models, external data sources, and AI-driven decisioning.
Adaptive AI credit decisioning
Combine your scoring models with AI-powered decisioning for higher accuracy. Use custom scorecards or the built-in AI engine to approve faster, cut NPLs by up to 40%, and expand access for thin-file borrowers.
Flexible process builder
Design tailored lending processes with no coding required. Build application steps, define decision logic, and craft individualized customer journeys through intuitive visual tools.
Notification templates
Create smart email and SMS templates enriched with variables to automate reminders, updates, and notifications, keeping borrowers informed without manual effort.
Unlimited product configuration
Set up unlimited lending products and campaigns with fully customizable fees, rates, and repayment structures. Configure any lending model, from credit lines to installment plans.
Automate contract templates
Generate compliant agreements instantly using dynamic templates, reduce errors, and speed up onboarding through automated document creation.
Security settings and preferences
Generate compliant agreements instantly using dynamic templates, reduce errors, and speed up onboarding through automated document creation.
Advanced analytics
and reporting
Access real-time insights through interactive dashboards that consolidate all key performance metrics. Customize reports to match your goals and export data whenever needed for deeper analysis.
From loan origination
to collection
Accelerate your entire customer lifecycle by 90% with unified lending automation. HES LoanBox connects origination, servicing, and collections in one platform, eliminating handoffs and preserving data across every touchpoint.
Loan servicing software
Enable end-to-end loan servicing with automated workflows, flexible terms, and real-time payment processing. Ensure full visibility, audit trails, and compliance for any loan type and complexity within one platform.
Debt collection platform
Maximize recovery with AI-driven collections across SMS, email, and voice channels. Automate penalties, documents, and payment reminders. Predict repayment probability, optimize outreach timing, and personalize strategies based on borrower behavior.
100+ integrations to power up your loan origination
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STEP:
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What you get by choosing HES
Deploy your origination solution in 3–4 months and accelerate ROI with a platform built for rapid implementation.
ISO 27001 certified. Hosted on AWS or Google Cloud with a secure Java LTS stack and regular updates.
Adapt every part of the system: fine-tune modules, introduce new features, refine interfaces, and connect to any external service from payment providers to credit bureaus.
We provide straightforward pricing: you pay for the platform license, with additional costs only for custom development. No per-user fees.
Receive quick, knowledgeable assistance from a support team committed to guiding you through every stage of your partnership.
Collaborate with specialists who live and breathe lending. Our BAs, PMs, and engineers have over a decade of real industry experience.
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.
Bank-level
security by design
Built with ISO 27001–aligned processes, secure SDLC, full encryption, and role-based access to meet enterprise and regulatory demands.
Built on cloud
technologies
Choose your hosting model, cloud or on-premise, deploy seamlessly, and scale with confidence.
Cloud provider
Open, powerful,
and future-proof tools
We build solutions with proven technologies to ensure flexibility, transparency, and long-term scalability.
Java LTS stack
Build loans
without limits
Automate underwriting, verification, and pricing from a single origination system.
