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Microfinance software for
digital lenders
Micro loan management platform for microfinance institutions, non-bank lenders, and consumer credit firms.
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Microfinance lending challenges solved
Microfinance software helps lenders close operational gaps that slow growth, drive up costs, and put microloan 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 microloan 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 microloan 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.
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
seamless way to apply, manage, and calculate their microloans. Powered by KYC, smart data
verification, and automated document collection.
Accurate origination
Achieve pinpoint microloan decisioning with configurable rules, AI-driven scoring, and rich third-party
integrations. Flexibly manage products with custom eligibility, pricing, and risk conditions.
Transparent servicing
Manage repayments, schedules, and communications in one place with real-time microloan portfolio
visibility.
Smart and proactive collection
Boost recovery rates with AI-driven reminders, predictive analytics, and flexible
repayment tools.
Online onboarding
Freedom and convenience for your customers
Deliver faster, smarter, 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 effortlessly with AI-driven efficiency.
Empower informed decisions
Eliminate paperwork and branch visits
Complete self-service portal
Scale with agent networks
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.
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STEP:
/
Loan origination
Accelerate microloan
decisions
with AI and
smart automation
Incomplete data and manual reviews lead to missed insights and costly defaults. AI-driven
verification and underwriting turn raw data into fast, confident, and compliant microloan decisions.
Smart identity checks and data enrichment
Intelligent underwriting engine
Adaptive AI credit decisioning
AI-powered scoring engine by GiniMachine
Fully digital document journey
and much more
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 ensure full compliance.
Notification templates
Build smart SMS and email templates with variables to automate updates, reminders, and
approvals — keeping borrowers informed without manual effort.
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.
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.
Flexible process builder
Create custom microfinance workflows without technical expertise. Design application flows, set
approval rules, and configure unique customer journeys through visual tools.
Configurable microfinance workflows
Microloan servicing
Complete micro loan management software
Fragmented tools and manual updates drain productivity. Automate every microloan stage with real-time
accuracy, flexible terms, and integrated payments — delivering faster service, fewer errors, and
complete control over your portfolio.
Loan lifecycle automation
Comprehensive loan management
360° customer management (CRM)
Trusted payment operations
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.
AI-driven risk precision
Transform risk assessment with integrated AI that delivers 3× better decision accuracy.
Smarter risk control
Set custom risk thresholds, predict defaults early, and optimize microloan portfolio performance.
Microloan collections
Boost recovery with automated
microfinance collections
Manual recovery slows operations and drives losses. Automate outreach, scoring, and penalties with
AI tools that predict repayment, choose optimal channels, and ensure compliance — reducing microloan
defaults and improving collection efficiency.
Automate and streamline debt recovery
Personalize collection strategies with AI
Reduce missed payments
Compliant overdue penalties
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 in just 3 months. 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. 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.
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.
Enterprise-grade
security
ISO 27001 certification and SDLC ensure consistent security across all
operations, supported by full data encryption, role-based access control, and a
secure hosting infrastructure.
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Built on cloud
technologies
HES FinTech microfinance software solution can be deployed on-premises or in the
cloud of any chosen provider.
Cloud 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.
Java LTS stack
