PayDay loan software
Approve loans faster, scale your business with confidence, and
reduce NPL rates with our PayDay loan software
Complete automation
AI-powered collection strategies
Flexible calculation options
Scalable lending system
Digital onboarding
From browsing to
applying in minutes
Make that first impression count.
Tailor your landing page to communicate loan terms and calculations clearly. Leads are
directed to the Borrower Portal to complete and submit their loan applications.
Tailor your landing page to communicate loan terms and calculations clearly. Leads are
directed to the Borrower Portal to complete and submit their loan applications.
KYC
Protect your business from fraud with instant identity verification.
Match user data with document photos to ensure secure and compliant onboarding..
Match user data with document photos to ensure secure and compliant onboarding..
Borrower profile
Simplify borrower management with a secure profile system. Reuse saved
data for future applications, authentication powered by KeyCloak.
data for future applications, authentication powered by KeyCloak.
Loan origination
Self-service
space for borrowers
This is where leads turn into borrowers.
Prospective clients can submit essential details, such as bank account information,
employment records, and ID documents. All data is securely stored and readily accessible
to loan officers, while borrowers can save their progress and return at any time, from
any device, to complete their application forms.
Prospective clients can submit essential details, such as bank account information,
employment records, and ID documents. All data is securely stored and readily accessible
to loan officers, while borrowers can save their progress and return at any time, from
any device, to complete their application forms.
Optimize your lending workflow
Open banking
Gain direct access to real-time financial data, including account balances, transaction
history, and income verification. Use this information to personalize loan products,
streamline workflows, and build a more profitable portfolio.
history, and income verification. Use this information to personalize loan products,
streamline workflows, and build a more profitable portfolio.
Digital document management
Eliminate paperwork and streamline the lending process for your team and borrowers with
our intuitive e-signature feature. Our payday loan software securely stores sensitive
data in a protected digital environment.
our intuitive e-signature feature. Our payday loan software securely stores sensitive
data in a protected digital environment.
Credit reports
Get a clear view of key metrics at a glance. With critical information displayed in an
organized format, lenders make faster, more confident decisions.
organized format, lenders make faster, more confident decisions.
Customizable application flow
Your business needs evolve—your processes should too. Our short-term loan software allows
you to adjust terms and decision rules to adapt workflows instantly.
you to adjust terms and decision rules to adapt workflows instantly.
Automated decision processes
See your performance metrics soar with HES LoanBox.
Loan servicing
Centralized hub
for loan management
Everything you need for streamlined and efficient loan servicing.
Automated document flow eliminates manual data entry and minimizes the risk of document
loss and human error. With enhanced efficiency and capacity, your business can issue more
short-term loans in less time. Not only will the volume impress you, but customer satisfaction
will also soar.
Automated document flow eliminates manual data entry and minimizes the risk of document
loss and human error. With enhanced efficiency and capacity, your business can issue more
short-term loans in less time. Not only will the volume impress you, but customer satisfaction
will also soar.
The complete toolkit
Payday loan management
Gain complete control over your loan operations with all-in-one system. Track loans, monitor
operations in real time, and handle tasks like registering offline payments.
operations in real time, and handle tasks like registering offline payments.
Advanced calculations
Adjust repayment terms, interest structures, and loan fees with a feature designed to offer
unparalleled flexibility.
unparalleled flexibility.
Online transactions
Connect with region-specific payment gateway providers to manage payments, disbursements,
and collections seamlessly and securely.
and collections seamlessly and securely.
AI credit scoring
Analyze borrower profiles, predict risk levels, and generate accurate credit scores in
seconds. Our system also integrates alternative data sources.
seconds. Our system also integrates alternative data sources.
Debt collection
Recover debts quickly
and compliantly
Debt collection powered by AI.
From analyzing borrower profiles to automating follow-ups, the system streamlines the
recovery process, reduces manual effort, and enhances your team’s performance—all while
maintaining borrower goodwill.
From analyzing borrower profiles to automating follow-ups, the system streamlines the
recovery process, reduces manual effort, and enhances your team’s performance—all while
maintaining borrower goodwill.
Connect with your trusted tools
Technology architecture overview
Cloud-first PayDay
loan software
Reduce upfront costs and unlock fast scalability with a cloud-first approach.
Easily integrate tools and optimize operations to keep up with growing demands.
Easily integrate tools and optimize operations to keep up with growing demands.
Cloud provider
Advanced backend
infrastructure
Developed with Java, PostgreSQL, and Form.io, HES FinTech’s software for payday loan
business offers unmatched scalability, security, and customization.
business offers unmatched scalability, security, and customization.
Java LTS stack
Extra security
measures
HES FinTech holds ISO 27001 certification, which means our Information Security
Management System complies with international standards. Benefit from
enterprise-grade security measures, including data encryption, role-based access,
and continuous monitoring.
Management System complies with international standards. Benefit from
enterprise-grade security measures, including data encryption, role-based access,
and continuous monitoring.
Why our software for PayDay loans?
Faster loan processing
Go from hours to mere seconds and process more loans with an automated, rule-based
decision-making process.
decision-making process.
60%
time for loan
processing
processing
Faster loan processing
Go from hours to mere seconds and process more loans with an automated, rule-based
decision-making process.
decision-making process.
Workforce efficiency
HES LoanBox automates routine tasks, so you don’t need to hire more staff when your
business grows.
business grows.
38%
lower operating
costs
costs
Workforce efficiency
HES LoanBox automates routine tasks, so you don’t need to hire more staff when your business
grows.
grows.
Trusted by 130+
teams worldwide
One of the reasons they choose HES FinTech is our reliability: we become their trusted
long-term partners in business success.
long-term partners in business success.
Take your lending online
PayDay loan management software
Fully ready in 3 months
Reliable support team
User-friendly lending system
Entreprise-level security
Success stories
HES FinTech’s solutions are trusted by 130+ lending institutions worldwide, serving both consumer
and commercial lending sectors.
and commercial lending sectors.
Tailored payday
lending software
3 months time-to-market
Customizable and scalable platform
AI-driven credit scoring
Smart collection strategies
FAQ
What is payday loan software, and how can it benefit my business?
Can the software integrate with existing tools and systems?
How quickly can I start using the software?
Can the software support multiple lending locations or branches?
