Flexible loan
configuration engine

Get a free demo

It empowers you to swiftly launch and adapt new credit products
with automated calculations in just a few clicks

Ready-to-launch 1-2 months

Unique credit products

Preconfigured loans

Custom calculation logic

Adjust preconfigured loan types

Streamline your loan product configuration by setting foundational parameters for products using the same calculation method. Tailor the application processing algorithm to these specific loan types, optimizing efficiency and accelerating your processing timeline.

Get your lending
product estimate
in 3 minutes

STEP: /

Create unique loan products

Diversify your offerings within a single lending campaign by introducing distinct loan products. Each will maintain a consistent calculation method, ensuring reliability while providing the flexibility to adjust loan amounts, repayment schedules, and interest rates. Tailor personalized loan options to meet the specific needs and financial capabilities of individual borrowers, enhancing customer satisfaction and loyalty.

Apply loan fees

Fine-tune commissions and service fees for each loan product individually. Specify penalty amounts to be automatically applied in the event of delays or contractual breaches. Simplify the process of collecting additional payments with just a few clicks.

Grace period and payment holidays

Establish grace periods featuring lowered interest rates, providing borrowers with temporary relief. Set payment holidays to assist clients facing challenges with timely repayments. Foster borrower loyalty and minimize default rates, increasing borrower satisfaction.

Set fully customizable lending campaigns

Tailor your credit campaigns with complete customization, assigning each one its unique calculation method. Under a single calculation method, you can create multiple campaigns with varying settings. Easily incorporate the desired credit contract template, payment frequency, and loan terms across the entire campaign using our loan amortization software engine.

Pre-conditions

When setting up a credit campaign, you can configure preliminary terms, currency, loan amount, and interest rates. Subsequently, when creating a loan product, you have the flexibility to adjust these values independently for each specific credit product.

Loan approval automation

Customize your credit decisioning type at the credit campaign level: choose fully automatic for instant approvals, semi-automatic for an assessment of repayment probability, or full manual underwriting for complete control over application approvals.

Three loan calculation types

By default, the system includes three pre-built calculation methods: payday, annuity installment plan, and linear amortization. Upon your request, HES engineers can seamlessly integrate any custom loan calculation methods you require into the system.

Custom agreements

Specify the necessary supporting documents and conditions that align with your lending policies. Implement automatic verification of agreement terms to ensure compliance and accuracy with minimal effort.

Custom application form

Decide what information to request from borrowers by adding, modifying, or creating special fields, and specify any supporting documents required. Establish automatic field validation conditions with just a few clicks — no coding skills necessary.

Debt collection

Segment debtors based on their payment behavior and create tailored communication plans and repayment schedules that increase the likelihood of repayment. Leverage detailed analytics and reporting to monitor collection efforts and adjust strategies in real-time.

No-code
loan management
platform

Maximize efficiency and save on budget
with intuitive settings that allow you to
personalize your lending products

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.

Boris Batine

Co-Founder, ID Finance

Read story

HES FinTech offers comprehensive front-to-back solutions with integrations. Our machine learning platform will allow clients best-in-class investment advice.