time for loan
processing
PayDay loan software
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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.
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.
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.
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.
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
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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Connect with your trusted tools
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%
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
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
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.
Tailored payday lending software
3 months time-to-market
Customizable and scalable platform
AI-driven credit scoring
Smart collection strategies
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more
