Point-of-sale lending software
Automate the entire lending lifecycle, deliver real-time credit decisions, connect merchants—all through
a secure, user-friendly platform.
HES LoanBox includes
Digital Onboarding
Loan Origination
Loan Servicing
Complete workflow customization
User-friendly white-label UI/UX
Integration with 3rd-party tools
Automated loan application flow
AI-powered credit assessment
Digital onboarding
Boost sales
with POS software
Turn your merchants into partners who grow your business.
They offer their products on credit, and attract more customers. You fund the purchases
upfront, while borrowers repay in installments. It’s a straightforward partnership that
benefits both your business and your merchants.
They offer their products on credit, and attract more customers. You fund the purchases
upfront, while borrowers repay in installments. It’s a straightforward partnership that
benefits both your business and your merchants.
Instant identity checks
Strengthen your POS lending operations with instant KYC verification. Quickly confirm
identities using advanced document and data matching tools.
identities using advanced document and data matching tools.
Sign documents electronically
Close deals faster with e-signatures, making POS loan agreements quicker, safer, and more
convenient for everyone involved.
convenient for everyone involved.
Loan origination
Omnichannel
loan application
Make it smooth with HES LoanBox.
Customers can apply for loans in minutes with real-time data collection, AI-powered scoring,
and instant or manual decisions. Merchants onboard borrowers easily and track loan statuses
via an intuitive interface. The entire process is fast, secure, and designed to make the
customer experience hassle-free.
Customers can apply for loans in minutes with real-time data collection, AI-powered scoring,
and instant or manual decisions. Merchants onboard borrowers easily and track loan statuses
via an intuitive interface. The entire process is fast, secure, and designed to make the
customer experience hassle-free.
Open Banking
Gain deeper insights into borrowers’ financial behavior in real time. Make smarter, faster
lending decisions at the point of sale.
lending decisions at the point of sale.
Configurable application flow
Customize application flows to optimize borrower engagement and improve the accuracy and
speed of data collection at the POS.
speed of data collection at the POS.
Loan servicing
Manage all the
POS loans in one place
Cut down on manual work and gain full transparency into your portfolio.
The system automates repayment tracking, supports flexible options like refinancing, and
calculates payments with precision. With centralized control and advanced automation, HES
LoanBox delivers a fast, secure, and smooth servicing process at the point of sale.
The system automates repayment tracking, supports flexible options like refinancing, and
calculates payments with precision. With centralized control and advanced automation, HES
LoanBox delivers a fast, secure, and smooth servicing process at the point of sale.
Feature-rich back
office for loan managers
Calculation and product engines
Create and customize a wide range of loan products tailored to customer needs, from flexible
installment plans to promotional credit offers, all directly at the point of sale.
installment plans to promotional credit offers, all directly at the point of sale.
Online transactions
Track disbursements, repayments, and transactions in real-time with cloud-based POS lending
software. Automate processes and provide merchants with instant updates for a seamless
customer experience.
software. Automate processes and provide merchants with instant updates for a seamless
customer experience.
AI-driven POS lending software
Set up recurring payments, automate reminders, and reduce manual work, ensuring timely,
error-free transactions and a smooth experience for both your team and borrowers.
error-free transactions and a smooth experience for both your team and borrowers.
Calculation and product engines
Create and customize a wide range of loan products tailored to customer needs, from flexible
installment plans to promotional credit offers, all directly at the point of sale.
installment plans to promotional credit offers, all directly at the point of sale.
Online transactions
Track disbursements, repayments, and transactions in real-time with cloud-based POS lending
software. Automate processes and provide merchants with instant updates for a seamless
customer experience.
software. Automate processes and provide merchants with instant updates for a seamless
customer experience.
AI-driven POS lending software
Set up recurring payments, automate reminders, and reduce manual work, ensuring timely,
error-free transactions and a smooth experience for both your team and borrowers.
error-free transactions and a smooth experience for both your team and borrowers.
Deal management
HES LoanBox simplifies deal management with centralized access to loan parameters,
transaction histories, and repayment details. Stay in control of every deal with tools for
refinancing, interest adjustments, and more.
transaction histories, and repayment details. Stay in control of every deal with tools for
refinancing, interest adjustments, and more.
Reporting
Gain clear insights into the performance of your POS lending operations. Identify which
stores generate the most revenue and customers, and make informed decisions to drive
business growth.
stores generate the most revenue and customers, and make informed decisions to drive
business growth.
and much more
Document templates
Task management and KPIs
Automation of payments
Portfolio management
Client communication
Connect your favorite tools
Technology architecture overview
Cloud-first
POS software
Cloud-native by design, our point-of-sale lending platform gives you the freedom to
grow, the tools to innovate, and the peace of mind that your data is always secure.
grow, the tools to innovate, and the peace of mind that your data is always secure.
Cloud provider
Open-source and
scalable architecture
HES point-of-sale lending software is built using cutting-edge technologies like
Java 21, Spring 6, and PostgreSQL 16. What does that mean for you? Flexibility,
rock-solid security, and the kind of scalability that keeps up with your business.
Java 21, Spring 6, and PostgreSQL 16. What does that mean for you? Flexibility,
rock-solid security, and the kind of scalability that keeps up with your business.
Java LTS stack
Advanced security
for POS lending
HES FinTech is ISO 27001-certified, reflecting our commitment to international
security standards. We implement encryption for all data, both in transit and at
rest, while role-based access ensures only authorized personnel can access sensitive
information.
security standards. We implement encryption for all data, both in transit and at
rest, while role-based access ensures only authorized personnel can access sensitive
information.
Why our POS lending software?
Instant credit decisions
Deliver a smooth and transparent lending experience with real-time updates and instant
approvals.
approvals.
60%
reduction in credit
decision time
decision time
Instant credit decisions
Deliver a smooth and transparent lending experience with real-time updates and instant
approvals.
approvals.
Streamlined merchant operations
Simplify merchant workflows with an easy-to-use platform that automates data entry and
tracks loan statuses.
tracks loan statuses.
38%
improvement in
operational efficiency
operational efficiency
Streamlined merchant operations
Simplify merchant workflows with an easy-to-use platform that automates data entry and tracks
loan statuses.
loan statuses.
Chosen by 100+
teams globally
Alternative lenders, banks, and fintechs trust our solutions for the value we deliver:
reduced NPLs, automated processes, and full control over lending workflows.
reduced NPLs, automated processes, and full control over lending workflows.
Take your lending online
Entire lending lifecycle, in one platform
Enter a new niche or scale operations
Seamless integrations
Customer support
Future-proof architecture
Success stories
Since 2012, HES FinTech has delivered 100+ lending solutions to banks, alternative lenders, and
fintechs in more than 30 countries.
fintechs in more than 30 countries.
HES FinTech has been our reliable technology partner since 2012. We owe
much of our success to their well-architectured solution.
Boris Batine, CEO
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
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
HES FinTech developed our lending software and predictive analytics. Their expertise
delivered automation, clear UI/UX and customer portal.
Mazen Alasnag, Head of Loan Management
The LMS provided flexible repayment options, automated restructuring and branch-level
management, enhancing efficiency and risk mitigation.
Urnukhjargal Badam, Branch Manager
All-in-one
POS lending software
All workflows fully covered
3 months time-to-market
Integration with merchant operations
Transparency at every step
FAQ
Why is POS lending the next big opportunity?
How can a POS system benefit my business?
Can point-of-sale finance software integrate with other systems?
How long does it take to implement HES LoanBox?
