Explore HES LoanBox features
Digital Onboarding
Make the first touchpoint with borrowers
seamless
and intuitive.
seamless
and intuitive.
Loan calculator
Help borrowers make informed decisions with accurate calculations that integrate all
variables—interest rates, amounts, and terms—across your entire loan portfolio.
variables—interest rates, amounts, and terms—across your entire loan portfolio.
KYC
Prevent fraud with document scanning, biometric checks, and database verification—instantly
and in full compliance.
and in full compliance.
Borrower profile
Users can view application status, access loan details, update personal information, and
track repayment schedules.
track repayment schedules.
Loan Origination
Customize workflows, automate verification, and reduce approval times—all with complete visibility.
E-signature
Tons of papers on the desk? Gone. In-person visits? No longer needed. Finalize agreements
instantly, from any device, anywhere—with secure and legally binding e-signatures.
instantly, from any device, anywhere—with secure and legally binding e-signatures.
Open banking
View real financial behavior with direct account connections that reveal true income
patterns, spending habits, and account management for accurate risk assessment.
patterns, spending habits, and account management for accurate risk assessment.
Credit history check
Get instant access to debt levels and credit scores—giving you the complete picture for
confident lending decisions.
confident lending decisions.
24/7 application access
Give borrowers the freedom to apply anytime, anywhere. Our responsive online applications
work across all devices, letting customers start, save, and complete applications at their
convenience.
work across all devices, letting customers start, save, and complete applications at their
convenience.
Configurable application forms
Create the perfect application flow for each loan product while capturing exactly the data
you need for efficient processing.
you need for efficient processing.
Credit Decisioning
Transform your approval process with
data-driven
lending decisions.
data-driven
lending decisions.
Configurable workflows
Delays and inconsistencies should have no place in lending processes. With smart, automated
decision-making, you can rely on data-driven insights to make quick, reliable choices.
Achieve
accuracy, efficiency, and confidence—all in one solution.
decision-making, you can rely on data-driven insights to make quick, reliable choices.
Achieve
accuracy, efficiency, and confidence—all in one solution.
Underwriting
Automatically analyze applicant data, credit history, and financial behavior to evaluate
creditworthiness—with verification, scoring, underwriting, and a four-eye check built into
the process.
creditworthiness—with verification, scoring, underwriting, and a four-eye check built into
the process.
AI-powered scoring
See beyond credit scores with intelligent risk assessment. Integrated with
GiniMachine, our
platform identifies patterns in complex data to predict creditworthiness with precision.
GiniMachine, our
platform identifies patterns in complex data to predict creditworthiness with precision.
Custom scoring framework
Build and modify scorecards with weighted criteria, assign points to different risk factors,
and
set approval thresholds. Test and implement new scoring logic in minutes, not months.
and
set approval thresholds. Test and implement new scoring logic in minutes, not months.
Loan Servicing
Handle all post-approval loan operations through a single
integrated
platform.
integrated
platform.
Task management
Keep your lending operations on track with intelligent workflow management. Assign tasks to
team members, set priorities and deadlines, track completion status, and ensure nothing
falls through the cracks. Automated task creation for routine processes lets your team focus
on higher-value activities while maintaining complete visibility across all lending
operations.
team members, set priorities and deadlines, track completion status, and ensure nothing
falls through the cracks. Automated task creation for routine processes lets your team focus
on higher-value activities while maintaining complete visibility across all lending
operations.
Product engine
Configure and launch new loan products in minutes. Test different product variations and
roll out changes instantly to respond to market opportunities or regulatory requirements.
roll out changes instantly to respond to market opportunities or regulatory requirements.
Reporting
See the complete picture of your lending operations. Export data in multiple formats for
regulatory reporting, dive deeper with advanced filtering and segmentation tools, or
integrate with any BI system for custom analytics.
regulatory reporting, dive deeper with advanced filtering and segmentation tools, or
integrate with any BI system for custom analytics.
Transactions
Our transaction system records every financial movement with precise details, reconciles
with
payment providers, and maintains the complete history you need for accounting and regulatory
compliance.
with
payment providers, and maintains the complete history you need for accounting and regulatory
compliance.
SMS and email notifications
Reduce late payments with proactive borrower communications. Schedule timely alerts for
application updates, payment reminders, and account changes that reach borrowers through
their preferred channels.
application updates, payment reminders, and account changes that reach borrowers through
their preferred channels.
Deal management
Monitor active loans, review payment histories, and access all essential loan information in
one centralized view.
one centralized view.
Debt Collection
Balance effective debt recovery with positive
customer experiences.
customer experiences.
Overdue deal management
Take control of past-due accounts with customized collection strategies. Create targeted
communication plans, schedule follow-up actions, and track promise-to-pay commitments.
communication plans, schedule follow-up actions, and track promise-to-pay commitments.
Debt collection strategies
Design targeted approaches for different delinquency segments. Create custom collection
workflows with escalating actions based on days past due, loan value, and borrower behavior.
workflows with escalating actions based on days past due, loan value, and borrower behavior.
Arrears reports
Identify trends across different segments, monitor agent performance, and focus resources
where they’ll have the greatest impact on recovery rates.
where they’ll have the greatest impact on recovery rates.
Configurable strategies
Configure escalation paths, outreach sequences, and borrower actions to create tailored,
compliant strategies—no coding or manual intervention needed.
compliant strategies—no coding or manual intervention needed.
Apply loan fees and penalties
Configure and automate fee structures for all your lending products. Set up origination
fees, late payment penalties, service charges, and early repayment fees with precise
calculation rules.
fees, late payment penalties, service charges, and early repayment fees with precise
calculation rules.
Custom agreements
Build document templates that precisely reflect your terms, automatically incorporate
relevant borrower data, and adapt to regulatory requirements.
relevant borrower data, and adapt to regulatory requirements.
Boost lending
with integrations
Connect the tools you already use and build your ideal lending ecosystem with plug-and-play
integrations.
integrations.
Meet your partner
in the lending business
End-to-end lending platform
3 moths time-to-market
AI-powered credit decisioning
Made to grow as you do
