Microfinance software helps lenders close operational gaps that slow growth, drive up costs, and put
micro-lending portfolio quality at risk across origination, servicing, and collections.
Need
Rising delinquency and late warning signs on at-risk microloans
Solution
Spot risky borrowers earlier with AI scoring and predictive analytics that surface
red flags before a loan turns into a problem.
Need
Slow micro loan approvals that hold back disbursement and growth
Solution
Move from multi-day reviews to instant decisions with automated underwriting,
configurable rules, and end-to-end digital origination.
Need
High operational costs from manual microloan processing
Solution
Cut manual workload across origination, servicing, and collections by automating
routine tasks, document handling, and borrower communication.
Need
Thin credit data on first-time and underbanked borrowers
Solution
Score thin-file applicants with confidence by combining traditional bureau data with
alternative inputs through a built-in AI engine.
Need
Rigid micro loan products that can't adapt to local markets
Solution
Launch unlimited loan products with custom rates, fees, terms, and repayment
schedules without writing a line of code.
Need
Disconnected tools across the lending lifecycle
Solution
Bring onboarding, scoring, servicing, and collections into one platform, with 100+
pre-built integrations to connect the rest of your stack.
60%
cost reduction
Scale microcredit operations with less manual work. AI scoring and digital workflows let
your team handle more with fewer resources.
90%
faster micro loan approval
Automate credit checks and scoring to move multi-day micro loan reviews to same-day
decisions.
3x
more accurate credit scoring
Approve thin-file microborrowers with confidence using AI models trained on your own
historical loan data, combined with the inputs you configure.
50%
lower delinquency rates
Reduce microloan portfolio risks through AI scoring and analytics that identify early
warnings and enhance credit quality.
All-in-one microfinance software for the smooth lending journey
Seamless onboarding
Reflect your brand with a white-label platform optimized for any device. Give borrowers a a
single flow to apply, manage, and calculate their credits. Powered by KYC, automated data
verification, and automated document collection.
Learn more
Accurate origination
Achieve configurable microloan decisioning with configurable rules, AI-driven scoring, and rich
third-party integrations. Flexibly manage products with custom eligibility, pricing, and risk
conditions.
Learn more
Transparent servicing
Manage repayments, schedules, and communications in one place with real-time microloan portfolio
visibility.
Learn more
Smart and proactive collection
Boost recovery rates with AI-driven reminders, predictive analytics, and flexible repayment
tools.
Learn more
Get your free micro loan
software estimate
STEP:
/
Online onboarding
Freedom and convenience for your customers
Deliver faster and more transparent micro lending at every stage, from application to repayment.
Empower borrowers with self-service tools, automate verification and underwriting, and scale
operations with AI-driven efficiency.
Built-in microloan calculators let clients explore terms, compare options, and
understand costs upfront - increasing application completion rates and customer
satisfaction.
Eliminate paperwork and branch visits
Fully digital micro loan process from application to disbursement. Clients submit
documents, verify identity, and sign contracts online - reducing drop-offs and
accelerating approval times.
Complete self-service portal
Give borrowers full control over their microloans — track payments, view terms,
manage due dates, and make instant payments. Automated SMS and email updates keep
clients informed and engaged at every step.
Scale with agent networks
Expand your reach through digital agent onboarding. Enable agents to submit
applications, track commissions, and manage their portfolio through dedicated
portals - growing your business without adding branches.
Smart task management for teams
Keep teams synchronized and efficient with automated task assignment, interdepartmental handoffs,
and real-time visibility into performance and progress.
Accelerate decisions with AI-driven automated micro loan software
Reach faster, more confident microloan decisions with fewer defaults slipping through. AI-driven
verification and scoring turn each application into clear, explainable inputs your underwriters can
act on right away.
Automate borrower verification with full KYC/AML compliance. Verify accounts, enrich
profiles from multiple sources, and run checks with credit bureaus and alternative
data for complete, compliant risk assessment.
Configurable underwriting engine
Accelerate microloan approvals by up to 80% with smart underwriting that adapts to
your risk policies. Process applications manually, semi-automatically, or fully
automatically to boost conversion while reducing friction and maintaining
compliance.
Adaptive AI credit decisioning
Combine your scoring models with AI-powered decisioning for unmatched accuracy.
Configure custom scorecards or use the built-in AI engine to approve microloans
faster, cut NPLs by up to 40%, and expand access for thin-file borrowers.
Explainable AI scoring by GiniMachine
GiniMachine’s self-learning AI scoring evolves with each decision. It analyzes
outcomes, detecting new risks, and refining models daily to double scoring quality
while reducing defaults, reviews, and missed opportunities.
Fully digital document journey
Go fully paperless from application to signing and cut document costs by 90%.
Intelligent parsing extracts and validates data in seconds, while built-in
eSignature ensures compliance without printing, scanning, or filing.
and much more
Smart communication control
Automate borrower communications across channels. Send SMS and email for payment reminders
and status updates. Set custom notification rules to boost engagement.
Security settings and preferences
Manage user permissions using role-based access control features. Define password policies.
Build rules to allow or block access by device ID.
Flexible process builder
Create custom microfinance workflows without technical expertise. Design application flows,
set approval rules, and configure unique customer journeys through visual tools.
Unlimited product configuration
Create unlimited microloan campaigns and products with custom rates, fees, and schedules.
Configure lending logic from credit lines to installment loans, with calculations based on
amount, term, and customer profile.
Automate contract templates
Create and manage dynamic contract templates with multiple variables. Automate agreements
generation to speed up onboarding, eliminate manual errors, and keep audit-ready records.
Notification templates
Build smart SMS and email templates with variables to automate updates, reminders, and
approvals — keeping borrowers informed without manual effort.
Configurable microfinance workflows
Microloan servicing
Complete micro loan management software
Run the full microloan lifecycle from one system. One system handles servicing, repayments,
restructuring, and payment matching — balances stay current, reconciliation is automated, and you
keep full visibility into the portfolio.
Automate the entire microloan lifecycle — from booking to closure. Streamline
servicing with flexible adjustments, automate amortization, contracts, and
collateral, and enable fast disbursements through integrated payments.
Comprehensive loan management
Configure and manage microloans end-to-end with flexible terms, rates, and
schedules. Adjust conditions in real time, support multiple calculation methods, and
offer payment holidays or special terms — scaling easily from simple loans to
complex credit products.
360° customer management (CRM)
Access full borrower profiles with complete interaction history in one view. Track
communications, documents, and payment behavior across products and channels while
maintaining clear audit trails for every customer action.
Trusted payment operations
Manage disbursements and repayments through trusted, real-time payment integrations.
Achieve full transaction transparency, instant reconciliation, and error-free
synchronization — strengthening compliance, reducing risk, and maintaining total
financial control.
Maximize microloan portfolio performance
with AI risk intelligence
Scoring made clear
Leverage predictive scoring from pre-KYC to NPL forecasting with transparent, explainable,
and audit-ready insights.
Smarter risk control
Set custom risk thresholds, predict defaults early, and optimize microloan portfolio
performance.
AI-driven risk precision
Transform risk assessment with integrated AI that delivers 3× better decision accuracy.
Microloan collections
Boost recovery with automated
microfinance collections
Recover more overdue microloans with far less manual work. Let collection scoring flag who is likely
to repay, run outreach automatically across SMS and email, and apply overdue penalties by your own
rules. Every message stays within configurable caps and is logged as an audit-ready record.
Apply ready-made or custom debt recovery workflows
Personalize collection strategies with AI
Leverage data-driven tools for smarter collection strategies.
Select the most effective communication strategy
Leverage AI to optimize timing and messaging
Run AI/ML-based collection scoring
Predict repayment probability
Reduce missed payments
Reduce missed payments with multi-channel alerts.
Set custom schedules with unique messaging
Track delivery and responses in real-time
SMS, email, and other custom channels
Compliant overdue penalties
Automate penalty calculations within regulatory limits.
Configure rules by product and jurisdiction
Apply configurable communication/frequency caps
Maintain transparent communication and audit-ready records
Microfinance reporting and analytics
The system collects data and constructs interactive dashboards to track essential microloan KPIs.
Export data and customize metrics according to your business requirements.
100+ integrations to power up your microfinance system
With flexible connection options and full customization, HES LoanBox provides a broad ecosystem of
integrations that enhance microfinance operations across onboarding, scoring, payments,
communication, analytics, and core banking.
What you get by choosing
our microfinance software
Unlimited customization
Customize endlessly: tailor modules, add features, adjust interfaces, and integrate with any
service — from payments to credit bureaus.
Transparent pricing
HES offers simple pricing: you pay for the license, with extra costs only for custom
features. Unlimited internal users and borrowers included.
3-month product launch
Go live from three months, depending on complexity. Start fast and see ROI sooner with a
ready-to-deploy microfinance platform.
Industry expertise
Work with a team of BAs who bring over 10 years of microfinance experience. Built by
lenders, for lenders.
Proven security
ISO 27001 certified and SOC 2 aligned. Hosted on AWS or Google Cloud with a secure Java LTS
stack and regular updates.
Dedicated support
Get fast, expert help from our dedicated support team — whenever you need it.
Success stories
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.
Aligned with ISO 27001 and SOC 2 frameworks, supporting consistent security
controls across all operations, supported by full data encryption,
role-based access control, and a secure hosting infrastructure.
HES FinTech microfinance software solution can be deployed on-premises or in
the cloud of any chosen provider.
Powerful backend tools
HES Fintech builds solutions using free and open-source solutions, like Java
11, BPMN 2.0, Camunda, and Form.io modeler. This approach allows us to
exclude any additional licensing fees, except for the platform’s source
code.
Start lending in just 3 months
While you focus on growth, HES FinTech handles the rest.
In addition to our microfinance management system, HES FinTech provides micro lending market
expertise to help our clients identify their business needs and opportunities for success in
the competitive micro-lending market. Our experienced BA team is available to guide you
through the process and offer a powerful micro-lending software. HES provides comprehensive
microfinance software demos and customer support to ensure you can use our system to its
fullest potential.
Can the microfinance system be customized to fit our specific needs?
HES offers flexible pricing plans that are tailored to the level of customization you
require. Depending on your needs, you can add APIs, integrate your microfinance management
software with CMS, adopt additional micro loan features, or even customize existing ones.
Our sales manager can help you choose the right plan that includes all the necessary tools
and customization possibilities to meet your specific demands.
How secure are micro-finance systems?
At HES FinTech, we take security seriously. Our microfinancing software has received an
official ISO 27001 certification, which confirms that it adheres to international security
standards. We use advanced technologies along with KYC (Know Your Customer) and cloud data
storage to protect your business from breaches and money laundering schemes, ensuring that
your company remains compliant and reputable. Our goal is to provide a secure and reliable
platform for our clients so that they can focus on their business operations with peace of
mind.
How long does it take to implement MFI software?
With HES LoanBox microfinance solution, you can launch your micro loan management system in
just 3 months. Our software is ready for a quick kick-off and only needs to be configured
according to your specific needs. However, if you require additional customization and
integrations with your legacy solution, it may take longer to tune the system. In such
cases, our experienced BA team will estimate the necessary time and discuss all the
conditions with you beforehand, to ensure that your software for microfinance is launched as
efficiently and effectively as possible.
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.
