What is payday loan software, and how can it benefit my business?

Payday lending software is a digital solution that streamlines the process of offering short-term loans. It automates key operations like loan origination, servicing, debt collection, and reporting, helping your business save time, reduce costs, and enhance customer satisfaction.

Can the software integrate with existing tools and systems?

Yes, we can integrate the tools you already use and trust, like payment gateways, credit bureaus, and KYC/KYB systems into the HES LoanBox ecosystem.

How quickly can I start using the software?

With our cloud-first approach, you can get your payday loan software up and running in under three months. The setup includes system customization, integration, and employee training to ensure a seamless transition.

Can the software support multiple lending locations or branches?

Yes, HES LoanBox is scalable and supports multi-location operations. Each branch can access relevant data while maintaining centralized control for efficient management.

PayDay loan software

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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

Landing Page

Agent Portal

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.

KYC

Protect your business from fraud with instant identity verification. 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.

Loan origination

Self-service
space for borrowers

Application flow

Borrower profile

Decision-making

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.

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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.

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.

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.

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.

Automated decision processes

See your performance metrics soar with HES LoanBox.

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Loan servicing

Centralized hub
for loan management

Deal management

Product engine

Scoring

Task 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.

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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.

Advanced calculations

Adjust repayment terms, interest structures, and loan fees with a feature designed to offer unparalleled flexibility.

Online transactions

Connect with region-specific payment gateway providers to manage payments, disbursements, 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.

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.

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Get your lending
product estimate
in 3 minutes

STEP: /

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Security

Deployment

Tech 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.

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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.

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.

Java LTS stack

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.

60%

time for loan
processing

Faster loan processing

Go from hours to mere seconds and process more loans with an automated, rule-based decision-making process.

Workforce efficiency

HES LoanBox automates routine tasks, so you don’t need to hire more staff when your business grows.

38%

lower operating
costs

Workforce efficiency

HES LoanBox automates routine tasks, so you don’t need to hire more staff when your business 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.

Take your lending online

PayDay loan management software

Fully ready in 3 months

Reliable support team

User-friendly lending system

Enterprise-level security

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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.

Boris Batine

Co-Founder, ID Finance

Read story

HES FinTech offers comprehensive front-to-back solutions with integrations. Our machine learning platform will allow clients best-in-class investment advice.