End-to-end microfinance software
Get your microfinance software ready
to
go in 3 months
MFI software solution includes
Landing Page
Borrower Portal
Back Office
Online loan origination
Complete assets management
Automated document flow
AI application scoring
Customizable calculations
100%
automated loan
management
management
The micro loan management system unifies all assets and
borrower data, providing
comprehensive control over
assets through microfinance management
software.
borrower data, providing
comprehensive control over
assets through microfinance management
software.
3.5x
faster loan
approval
approval
Our software streamlines data entry and document
organization,
decreasing manual
underwriting tasks,
freeing up time for business development.
organization,
decreasing manual
underwriting tasks,
freeing up time for business development.
2.5x
more precise
decisions
decisions
Microfinance system software employs AI for unbiased
credit
scoring, identifying high-risk
applications and
enabling more informed decisions.
credit
scoring, identifying high-risk
applications and
enabling more informed decisions.
90%
fewer
manual tasks
manual tasks
The versatile microfinance system uses online software to
expedite credit applications and
pre-score requests, thus
hastening approval times.
expedite credit applications and
pre-score requests, thus
hastening approval times.
Online onboarding
Micro loan software
for digital lending
Unified platform access
Give your clients the ability to control their active loans and new applications from any device, any time. Lenders can access HES LoanBox via mobile, so you never miss important updates.
Micro loan calculator
Put a built-in loan calculator on your website to show users the terms and amount they can
receive. They can choose the most suitable credit product based on personal needs and
proceed to the credit application.
receive. They can choose the most suitable credit product based on personal needs and
proceed to the credit application.
Borrower Portal
Let borrowers apply
for loans online
Active loan
Once a loan is approved, customers can track the payment schedule, credit terms, and due amounts
in their
personal portal. Front-end micro credit software allows
users to manage their debt
online effectively. The borrower portal
integrates with payment providers, so
clients are free to conduct
transactions on the spot.
in their
personal portal. Front-end micro credit software allows
users to manage their debt
online effectively. The borrower portal
integrates with payment providers, so
clients are free to conduct
transactions on the spot.
Borrower profile
A customer fills in financial info and ID in the borrower profile. Clients are free to
change this information anytime online. All the data passes automated underwriting, then it
is registered in the lender’s database.
change this information anytime online. All the data passes automated underwriting, then it
is registered in the lender’s database.
Activities dashboard
Inform your clients about loan terms updates, application statuses, and required actions.
Customers can track their activities and application history. The micro finance system
establishes effective communication.
Customers can track their activities and application history. The micro finance system
establishes effective communication.
Know Your Customer
Microfinance application software identifies borrowers with a KYC plugin. Client
identity is
automatically verified in 30 seconds using their personal data and ID photo. Keep
your
business secure and accelerate underwriting with KYC.
identity is
automatically verified in 30 seconds using their personal data and ID photo. Keep
your
business secure and accelerate underwriting with KYC.
SMS and Email notifications
Set automatic notifications. The micro loan management software sends them via the
client’s
preferred channel for better efficiency. Stay connected with borrowers through SMS and
emails, providing updates and automatic reminders of required actions.
client’s
preferred channel for better efficiency. Stay connected with borrowers through SMS and
emails, providing updates and automatic reminders of required actions.
Back Office
Smart software for
microfinance lending
Loan management
Track both active and closed loans in micro finance software. Monitor operations online,
write off credits, or register offline payments. Amortization, contracts, and collateral
documents meet smart automation, leaving no room for human errors.
write off credits, or register offline payments. Amortization, contracts, and collateral
documents meet smart automation, leaving no room for human errors.
AI credit scoring
Save resources on scoring. AI micro credit management software automates pre-approval for
applications, estimating NPL risk based on historical loan data. The AI uses alternative
data for more accurate credit decisions.
applications, estimating NPL risk based on historical loan data. The AI uses alternative
data for more accurate credit decisions.
Configurable loans
Launch personalized finance products and product campaigns to obtain more clients. Set
desirable terms, payment frequency, interest rates, fees, and grace periods just in a few
clicks.
desirable terms, payment frequency, interest rates, fees, and grace periods just in a few
clicks.
Calculations
Adjust multiple calculation logics within your microfinance system. Create credit lines,
issue installment loans, and cash advances, and customize them according to your needs.
Adopt new calculation types flexibly as your business grows.
issue installment loans, and cash advances, and customize them according to your needs.
Adopt new calculation types flexibly as your business grows.
AI-powered loan
management platform
Harness the power of AI to score loan
portfolios, automate
debt
collection,
and receive data-driven insights.
portfolios, automate
debt
collection,
and receive data-driven insights.
Why choose HES LoanBox?
Rapid launch
Expertise
Scalability and customization
Customer support
Security and stability
Powerful micro loan management
software features
Custom workflows
Visualize the workflow and apply it to the entire system effortlessly. The microfinance
platform
maintains multiple workflows, enabling you to operate with freedom and flexibility.
platform
maintains multiple workflows, enabling you to operate with freedom and flexibility.
Transactions
Automatic disbursements and repayments, direct debit and daily transactions are all
registered
in micro-lending software, giving the unified access to online tracking.
registered
in micro-lending software, giving the unified access to online tracking.
Reports and dashboards
The system collects data and constructs interactive dashboards to track your essential KPIs.
Export data and customize metrics according to your business requirements.
Export data and customize metrics according to your business requirements.
Risk management
Use AI for credit scoring to predict defaults and assess risk. Gain actionable insights by
scoring credit portfolios. Set a cut-off threshold to define risky assets and predict NPLs.
scoring credit portfolios. Set a cut-off threshold to define risky assets and predict NPLs.
Payment holidays
Micro-finance servicing software by HES allows you to set payment holidays and grace periods
over selected loans, giving your business more loyal clients and better customer retention.
over selected loans, giving your business more loyal clients and better customer retention.
Task management
Implement the micro-lending solution to synchronize the loan officers’ work. The built-in
task
management module helps you allocate tasks and monitor their performance.
task
management module helps you allocate tasks and monitor their performance.
E-signature
Automate KYC process and ID verification processes with in-house, AI, or 3rd party
integration
while staying compliant with regulatory requirements.
integration
while staying compliant with regulatory requirements.
Roles and permissions
Minimize risks of breaches with role-based user permissions. Microfinance loan management software lets you limit access to system functions according to user roles.
Get your lending
product estimate
in 3 minutes
STEP:
/
MFI software
integrations
Book a microfinance software demo to explore
the power of automation
HES FinTech has been our reliable technology partner since 2012. We owe
much of our success to their well-architected solution.
Boris Batine, CEO
HES FinTech offers comprehensive front-to-back solutions with
integrations. Our machine learning platform will allow clients to receive best-in-class investment advice.
Edward Downpatrick, Strategy Director
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
HES FinTech developed our lending software and predictive analytics. Their expertise
delivered automation, clear UI/UX and customer portal.
Mazen Alasnag, Head of Loan Management
The LMS provided flexible repayment options, automated restructuring and branch-level
management, enhancing efficiency and risk mitigation.
Urnukhjargal Badam, Branch Manager
Ad-hoc microfinance
system software
End-to-end microfinancing software
Equip your business with powerful micro-lending software covering loan
processing tasks in full. Flexible functionality
automates manual tasks from onboarding to underwriting to full
repayment.
processing tasks in full. Flexible functionality
automates manual tasks from onboarding to underwriting to full
repayment.
3 months time-to-market
HES micro-finance system is ready for a launch in just 3 months. Benefit
from
fine-tuning of micro-finance software for your
business needs. Expand your capabilities with microfinance management
software.
from
fine-tuning of micro-finance software for your
business needs. Expand your capabilities with microfinance management
software.
Lifelong customer support
Utilize the power of AI-based microfinance system with full confidence.
The
HES team provides customer support and employee
training upon your request.
The
HES team provides customer support and employee
training upon your request.
No additional charges per customer
HES
provides
fully managed microfinance software solutions with no limits
on the number of users. Flexible pricing depends on the features you
choose.
provides
fully managed microfinance software solutions with no limits
on the number of users. Flexible pricing depends on the features you
choose.
