The core of your lending business
Simple and powerful
HES FinTech develops complete loan management software that
increases efficiency and drives all-around automation for financial service companies. To create
HES LoanBox, we combined our domain knowledge in lending software development for financial service
providers and created a comprehensive combo of modules meeting the business processes in full.
increases efficiency and drives all-around automation for financial service companies. To create
HES LoanBox, we combined our domain knowledge in lending software development for financial service
providers and created a comprehensive combo of modules meeting the business processes in full.
Loan application management
End-to-end digital process includes verification, scoring, underwriting,
supports a four-eye check, and allows accessing borrowers’ data and loan history.
supports a four-eye check, and allows accessing borrowers’ data and loan history.
Loan application management
End-to-end digital process includes verification, scoring, underwriting,
supports a four-eye check, and allows accessing borrowers’ data and loan history.
supports a four-eye check, and allows accessing borrowers’ data and loan history.
Loans management
Easy access to loan attributes and parameters, related transactions,
and dynamic amortization schedules with repayments, interest accruals with back office finance software.
and dynamic amortization schedules with repayments, interest accruals with back office finance software.
Transactions
List of disbursements and payments with complete data entered
manually or received from a payment provider. Automatic disbursements, direct debit, and
integration with payment providers.
manually or received from a payment provider. Automatic disbursements, direct debit, and
integration with payment providers.
Task management dashboard
Comprehensive and intuitive dashboard with lists of tasks assigned to users according to
their roles:
their roles:
Automated decision-making
Automatically approve or decline loan applications with financial back office software according to
predefined criteria. Reduces human risks and helps cut costs.
predefined criteria. Reduces human risks and helps cut costs.
Automated decision-making
Automatically approve or decline loan applications with financial back office software according to
predefined criteria. Reduces human risks and helps cut costs.
predefined criteria. Reduces human risks and helps cut costs.
Calculation and product engines
Easy-to-use calculation notation instead of static code. HES LoanBox back office software
helps create new loan products in a few clicks by setting loan terms, amount limits, or
interest rates.
helps create new loan products in a few clicks by setting loan terms, amount limits, or
interest rates.
Scoring system
The HES LoanBox scoring is based on proprietary decision-making
notations and goes all the way from stop factors to aggregated matrix-based result
scoring.
notations and goes all the way from stop factors to aggregated matrix-based result
scoring.
User roles and models
The back office platform allows granting multi-tier rights and permissions to
users to make the interface more straightforward and protect the system.
users to make the interface more straightforward and protect the system.
Reporting
HES LoanBox supports multiple BI integrations and connects the back
office section to BI tools for creating informative reports and dashboards.
office section to BI tools for creating informative reports and dashboards.
Digital lending from front to back
Integrated architecture
Automated calculations
Security features
Automation of disbursements and payments
Flexible loan product management
User-friendly interface
