Automate loan origination, servicing, and decision-making across one digital lending platform, so your staff can manage more loans without adding employees.
3.5x
more accurate loan decisions
Lower NPLs with AI-powered portfolio insights. Predict repayment probability in seconds and
make faster, more profitable decisions.
25%
higher portfolio profitability
Get more well-performing loans and strengthen overall ROI across the loan book with
AI-driven decisioning and real-time portfolio monitoring.
2.5x
faster loan processing
Compress review cycles from days to hours with automated data capture, AI-driven
underwriting, and configurable rule-based decisioning.
Online onboarding
Remove friction from lending user journey
Reduce abandonment rates at the application stage. Enable clients to apply for loans, track approval
stages, and submit documents securely via a dedicated borrower portal, as well as other loan
activities after origination.
Build trust from the first touchpoint. Increase application completion rates and
customer satisfaction by letting clients calculate payments, evaluate scenarios, and
understand terms upfront.
Provide borrowers with transparency and control
Let your clients manage their accounts and transparency throughout their loan
lifecycle. Via the self-service hub, borrowers can track payments, receive
notifications, change their schedules, and make transactions right away.
Scaling through partner channels
Equip agents with tools for engaging potential clients. After the loan product is
formed the offer is sent to the leads' inbox, directing them to the Borrower Portal,
with all the loan details.
Get your lending
product estimate in 3 minutes
STEP:
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Smart task orchestration
for teams
Keep teams aligned and productive across the digital lending software with automated task assignment, smooth
handoffs between departments, and real-time visibility into workloads, progress, and performance.
Streamline digital lending
with smart loan origination
Manual processes and fragmented information create risks resulting in revenue losses. Replace them
with accurate and compliance-ready loan origination software powered by AI.
Make customer verification swift and flawless with built-in KYC, biometric
authentication, and AI tools. Enrich data for better security and apply flexible
verification based on risk profiles.
Leverage open banking data
Access real-time banking data to validate accounts, analyze transaction behavior,
and enrich borrower profiles for more accurate and comprehensive risk assessments.
Adapt underwriting to your risk strategy
Configure manual, hybrid, or fully automated underwriting workflows to maximize
approval rates and cut decision times by up to 80% while balancing decisions with
regulatory compliance.
Switch documentation flow to digital
Eliminate paperwork for both your team and the borrower with an easy-to-use
e-signature, signing documents via OTP and SMS provider, and documents upload via
BO. Share and store sensitive data in a fully digital and secure environment.
Cut NPLs with AI-driven decisioning
Automate and speed up underwriting with smart preapprovals. GiniMachine AI-powered scoring and
decisioning engine helps you strengthen in-built scoring algorithm, focus on high-potential
applications and cut NPLs by up to 40%.
HES FinTech online lending system automates the full loan management lifecycle from disbursements to
pay-offs. Set up, calculate, and keep track of payment schedules, accruals, and write-offs for an
unlimited number of loan products, keeping up with the changing regulations.
Adjust multiple calculation logics for daily loan management within your ready-made
digital lending system. Create credit lines, roll out installment loans, offer cash
advances, and customize to your needs. Add more loan products or even business
models as your business grows.
Automated credit disbursement
HES LoanBox transaction system allows automatic disbursements and integration with
payment providers. The complete transaction history is recorded precisely and safely
kept for accounting and regulatory compliance purposes.
Automatic scheduled repayment
Enhance delinquency prevention by keeping borrowers informed. Customers can easily
access a payment schedule for each active loan, complete with due dates for
installments, interest rates, and the final credit repayment term.
Debt restructuring options
HES LoanBox loan processing system easily allows you to pause penalties accrual by
extending loan maturity date, changing interest rate, or introducing payment
holidays, thus strengthening customer relationships.
Debt collection
Recover more with prioritized,
compliant collections
Improve recovery outcomes with automated workflows, AI-driven prioritization, and proactive borrower
communication. Help your collection team focus on high-paying cases, prevent missed payments, and
maintain full transparency and operational efficiency.
Reduce repetitive work for collection teams with configurable workflows. Deploy
either ready-made or tailored recovery processes that guide each stage of
delinquency management consistently and without delay.
Make collection strategies smarter with AI
The AI-based engine prioritizes cases based on risk and potential recovery value and
determines the most effective communication channel and optimal contact timing for
every debtor.
Prevent missed payments
The system uses automatically scheduled reminders before payments become overdue.
You are able to track message delivery and borrower responses in real time to adjust
communication strategies when needed.
Reduce compliance risk while protecting revenue
Define penalty rules based on loan product characteristics and jurisdictional
requirements. All penalty calculations and borrower notifications are recorded
within the system, creating clear audit trails and supporting transparent
communication.
Lending portfolio analytics and reporting
Gain real-time visibility into loan management through interactive dashboards that bring all
critical performance metrics into one view. Customize reports to your objectives and export data on
demand for detailed analysis.
More digital lending platform features
for the full lifecycle
Custom workflows
Streamline workflow visualization and application throughout the system. HES SaaS loan
platform supports multiple workflows for enhanced freedom and flexibility.
Unlimited product modifications
Diversify your offerings by introducing new and personalized loan products. Each will
maintain a consistent calculation method, amount limits, repayment schedules, and interest
rates.
Credit report
Access detailed credit reports that cover financial history, credit scores, and risk factors
to assess borrower profiles with confidence.
Customizable application flow
Design a seamless application process with flexible, configurable forms tailored to your
business and customer needs. Adapt flows, fields, and logic to match your products and drive
higher conversion.
Custom loan application forms
Create custom fields for the loan application form to adjust the loan origination workflow.
Gather borrowers data defining required fields, request documents, and automate their
processing.
Roles-based access
Enhance security with role-based user permissions. Limit access to system functions based on
specific user roles, ensuring a robust and controlled environment.
Automate contract templates
Create document templates that reflect your terms, automatically populate borrower data, and
adapt to changing regulatory requirements.
Risk management
AI credit scoring predicts defaults and assesses risk. Set cut-off thresholds to define
risky assets and control NPLs. Receive insights for smarter credit portfolio management.
Fully customizable lending software at every level
HES LoanBox modular lending system acts as a foundation, while the final solution is always tailored
to your business’ exact needs, from deployment model to workflows.
Need
Unique lending workflows
Solution
Get configurable microservice modules and loan products, deep customization, open
API
Need
Absence of vendor lock-in
Solution
Use developer license with full control* (optional)
Need
Data residency and compliance
Solution
Deploy the cloud lending platform in your chosen cloud or on-premise
Need
Cost overruns
Solution
Benefit from fixed-price model, predictable ROI* (optional)
Need
Architectural scalability
Solution
Leverage architecture for gradual scaling and regional expansion
Need
Audit-readiness by default
Solution
Be ready with built-in audit logs, document tracking, and compliance workflows
100+ integrations for seamless lending workflows
What you get with HES LoanBox digital lending software
Secure and future-proof architecture
HES LoanBox digital lending software is built to handle large volumes of sensitive data and
transactions with enterprise-grade security. Robust core architecture, controlled access,
audit logs, and compliance-ready workflows will keep your data protected and operations
stable.
Highly flexible and customizable platform
HES LoanBox is a SaaS lending platform and much more: a white-label, modular system that
adapts at every level. Configure custom workflows and rules, pick the deployment model that
fits your business, and license the source code when you need full control. We add features
and integrations on request.
Multiple deployment models
Choose between cloud and on-premise deployment for your lending platform based on your
operational, security, and regulatory requirements. For cloud setups, select the provider
that best fits your needs and deploy across public, private, or hybrid environments.
Operational intelligence
Turn data into action with real-time insights on portfolio performance and loan management.
Reduce NPLs, automate manual processes, and keep teams in the loop with up-to-date
dashboards and reporting.
Ownership with developer license
Keep full control of your platform and technical roadmap. With a developer license, avoid
vendor lock-in and freely extend functionality, integrate proprietary AI/ML models, and
customize workflows and underwriting logic.
Regulatory-fit and scaling-ready solution
Scale confidently with the HES LoanBox digital lending solution. Built on ISO 27001 and SOC 2
certified foundations, it stays ready for complex data residency, audit, and regulatory
requirements across multiple regions.
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.
A digital lending platform is software that enables lenders to manage the entire loan lifecycle, from online application to final repayment, without paper-based processes or repeated manual data entry.
Borrowers can submit applications, upload documents, and sign agreements through a self-service portal. Credit, operations, and collections teams work with a single loan record in the back-office system, where credit scoring rules, repayment schedules, and reminders are automated.
Unlike standalone loan application or credit scoring solutions, a comprehensive platform also includes loan accounting and integrations with credit bureaus, identity verification services, and payment systems.
HES LoanBox is a modular digital lending platform. Lenders can start with a single module, such as loan origination, and add other modules as their needs evolve.
Is HES LoanBox solution user-friendly and easy to learn?
Yes, HES LoanBox online lending software features an intuitive, no-code interface that requires no
special technical knowledge, making it accessible for users of all skill levels. Our
specialists guide you step-by-step during implementation to ensure a smooth transition, and
our customer support remains available throughout your entire journey. With HES LoanBox, you
can focus on growing your business while we handle the complexity.
How much does HES LoanBox digital lending platform cost?
HES LoanBox pricing may include up to three components. The annual platform license starts at $39,000.
Implementation, including setup, integrations, and data migration, is a one-time cost. A fixed-price implementation option is also available, allowing you to lock in the budget once the project estimation stage is complete.
Custom development is charged separately only if specific requirements cannot be met using the platform’s standard configuration capabilities. The number of staff accounts, borrowers, loan products, and applications does not affect the price. You can get a preliminary cost estimate using the project estimation tool above.
Is HES LoanBox lending solution scalable?
HES LoanBox is designed to be scalable and can serve lenders of any size, from small private
lenders to large marketplaces and commercial lending institutions. Our lending platform
features a modular architecture and a high level of flexibility, which means you can easily
add additional features and customize existing ones to meet the changing needs of your
business.
Which deployment models does HES LoanBox support?
HES LoanBox supports cloud, on-premise, and hybrid deployments that combine multiple options.
Most lenders choose the right deployment model based on three questions:
1. Does local regulation require borrower data to remain within the country?
2. Does internal IT policy allow the use of public cloud providers?
3. Who will manage the server infrastructure once the platform is live: your internal team or HES FinTech?
If cloud deployment is selected, HES LoanBox operates as a cloud lending platform. The most commonly used hosting providers are AWS and Google Cloud. Microsoft Azure is also supported.
Can we license the HES LoanBox source code?
Yes, as an option. The developer license is agreed separately from the platform license and can be added when the project starts or later on. It hands your engineers the HES LoanBox codebase, written mainly in Java with Spring and Camunda, so changes to products, scoring logic or integrations no longer wait for an HES release. Lenders that take it often keep HES for support and larger builds, but that becomes a choice rather than a dependency.
Book a demo
HES FinTech has been our reliable technology partner since 2012. We owe much of
our success to their well-architectured solution.
Boris Batine, CEO at ID Finance
HES FinTech offers comprehensive front-to-back solutions with integrations. Our
machine learning platform will allow clients best-in-class investment advice.
Edward Downpatrick, Strategy Director at Fintuity
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.
Hjortur H. Jonsson, Partner at ALM Securities
HES developed our lending software and predictive analytics. Their expertise
delivered automation, clear UI/UX, and customer portal.
Mazen Alasnag, Head of Loan Management at Wa’ed
The LMS provided flexible repayment options, automated restructuring and
branch-level management, enhancing efficiency and risk mitigation.
