PayDay loan software for
short-term lenders
Made for storefront and online short-term lenders. Single-payment payday loans, installment advances,
and small-dollar lines of credit, all from one configurable platform.
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Purpose-built PayDay loan software
for the full lending cycle
Rapid onboarding
Launch a fully branded applicant experience optimised for speed and simplicity on any device.
Give borrowers a fast, transparent way to apply, verify identity, and receive a decision in
minutes. Underpinned by KYC compliance, automated affordability checks, and instant document
capture.
Confident origination
Make precise short-term lending decisions using configurable credit rules, AI-enhanced risk
scoring, and real-time access to income and banking data. Define payday loan products with
custom rollover policies, fee structures, and borrower eligibility thresholds.
Controlled servicing
Manage loan terms, repayment dates, and borrower communications from a single, compliant
platform. Maintain clear operational oversight across your payday portfolio with automated
payment tracking and proactive borrower engagement.
Effective collection
Maximise repayment rates on short-term delinquencies with AI-triggered outreach,
salary-cycle-aware retry logic, and flexible repayment arrangements that resolve arrears before
they escalate.
Get your lending
product estimate
in 3 minutes
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Digital onboarding
Payday loan software that takes
applicants from tap to payout
A short-term borrower will not wait around. The flow runs fully online, from request to payout, so
applicants self-serve and the team relies on automation to handle far higher application counts
without extra effort.
Make the cost clear before they apply
Approve in minutes, not by tomorrow
Hold repayment steady after payout
Add storefront and referral channels
From browsing to applying in minutes
Landing Page
Agent Portal
Keep short-term lending teams moving as one
A short-term loan dies in handoffs. Each task lands with the agent who fits, picked on role and live
workload, SLAs stay visible, and verification, underwriting, and collections share one view.
Loan origination
Payday loan software that cuts
decision time with AI
In short-term lending, a slow yes is a lost borrower, and a careless one is a default. Automated
verification and AI underwriting turn each application into a quick, defensible decision.
Confirm who they are before underwriting
Underwrite at the speed each product needs
Score with rules plus AI to lend wider, safer
GiniMachine scoring that sharpens itself
No paper from first form to signed contract
Self-service space for borrowers
Application flow
Borrower profile
Decision-making
and much more
Configure any payday product
Stand up whatever short-term product you sell: single-payment payday, installment advances,
or a small credit line. Tune fees, rates, due dates, and who qualifies, by product or by
segment, with zero developer time.
Auto-generated loan agreements
Dynamic templates with auto-filled fields turn out a binding short-term agreement in
seconds. Drafting errors are gone, payout is faster, and each contract holds to the policy
you apply in every state you lend.
Custom notification templates
Compose text, email, and app-alert templates, each driven by dynamic fields, to cover every
touchpoint: status, approval, repayment nudges tied to payday, and renewal offers.
Access control and data protection
Lock down borrower records behind role-level permissions you define, password rules you
control, and a second sign-in factor. Every action writes to a complete activity log, so the
record stays audit-ready.
Borrower outreach across channels
Push timed outreach to borrowers by rules that react to their behavior and loan status,
across the channels they use. Engagement holds through the whole term, and the support desk
handles fewer manual messages.
No-code process builder
Draw and change short-term lending flows visually, no engineering ticket required. Lay out
application paths, set approval logic, branch decision trees, and ship a new process in days
rather than quarters.
Automated decision processes
Loan servicing
All-in-one payday loan management software
Juggling spreadsheets and separate tools drags servicing down and lets payments slip. Manage the
whole short-term loan, payout through final payment, in HES LoanBox, with live balances, terms you
can flex, and payments handled in place.
Run servicing on autopilot
Manage every product together
One screen per borrower
Payments you can rely on
Centralized hub for loan management
Deal management
Product engine
Scoring
Task management
AI risk intelligence that keeps
your short-term book profitable
Scoring you can defend
Scoring spans the short-term flow front to back, pre-KYC filtering through NPL forecasting,
with outputs you can explain and defend in review.
Sharper decisions with AI
Back each short-term credit call with GiniMachine AI, which scores up to three times sharper
than a standard scorecard.
Risk you stay ahead of
Define the risk thresholds that fit you, flag defaults before they hit, and move pricing to
keep the short-term book in the black.
Loan collections
Recover more from automated
short-term collections
Short-term arrears pile up fast, and hand-worked recovery is slow and expensive. Let AI rank who
will pay, route each case to the channel that lands, and charge fees only inside the caps you have
set.
Put recovery on a workflow
Make each action borrower-specific
Head off missed payments early
Fees and penalties within your limits
Recover debts quickly and compliantly
Analytics built for short-term lenders
HES LoanBox shapes live dashboards around the short-term KPIs your team watches. Get the underlying
numbers out, set up whatever metrics matter, and view the book across product, vintage, and channel
as needed.
100+ integrations across the
payday lending stack
HES LoanBox links up with the tools a short-term lender depends on, connection options stay flexible
and fully customizable. Plug in onboarding, scoring, payments, messaging, reporting, and your core
system, fitted to the way you run.
What short-term lenders get
from our payday loan software
Configure, customize, or own the code
Short-term rules shift by state and product, so set caps, fees, rollover terms, and
eligibility yourself. Need more? Commission custom development, or take ownership of the
source code. There is no vendor lock-in.
Pricing that survives high volume
Small-dollar margins do not survive per-seat or per-loan fees. With HES LoanBox you license
the platform once, custom work aside, and add users and borrowers without a cap at any
volume.
Live, and lending, from 3 months
Launch a short-term product, or open a new state, from 3 months. It deploys ready to lend,
so you book loans early and reach ROI while rivals are still scoping.
Specialists in short-term lending
We have spent 14+ years on consumer and short-term lending across the US, EU, and emerging
markets. We know the model cold and build the software that runs it.
Security that passes audits
Borrower data sits behind ISO 27001 and SOC 2 certified controls, on a hardened Java LTS
stack and hosted on AWS or Google Cloud. Records stay audit-ready for every examination
cycle.
A team that answers, fast
When volume spikes or a question is urgent, you reach engineers who know your build and
respond quickly, not a ticket queue that goes cold.
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.
Security
Deployment
Tech stack
Security at the
core
ISO 27001 and SOC 2 certification and a secure SDLC keep protection steady
across operations. Data is fully encrypted, access runs by role, and hosting
is locked down.
Learn more
Run it in the cloud
or on-prem
Deploy HES LoanBox on-premises, in the cloud provider you choose, or across
a hybrid mix, whatever your security and ops teams need.
Open-source at the
foundation
HES FinTech keeps the backend on cost-free, open-source tooling: Java LTS,
BPMN 2.0, Camunda, and the Form.io modeler. No license fees stack up, just
the platform source code.
The 2026 reality of
payday lending
12M+
Americans borrow payday yearly
More than
12 million Americans
use payday loans every year, a high-volume, fast-turnaround market where manual processing
cannot keep pace.
391%
typical payday loan APR
A median storefront payday loan runs about
391% APR
at $15 per $100 over two weeks. Caps this tight on fees and interest must be set precisely
and logged behind every charge.
80%
of loans rolled over or reborrowed
Over
80% of payday loans
are rolled over or reborrowed within two weeks. Scoring real repayment capacity up front is
what separates a sustainable book from a churn of renewals.
20%
of payday borrowers default
Around
20% of payday borrowers
default over the course of a year. AI scoring that filters weak applications before payout
is the gap between a 40% NPL cut and a growing pile of charge-offs.
