SME lending
software solution
Streamlined loan management, business data
analysis, automated decision-making, and much more. All in one platform.
HES LoanBox includes
Digital Onboarding
Loan Origination
Loan Servicing
Streamlined data collection
Enterprise-grade security protocols
Smart debt collection strategies
Automated decision workflows
AI-powered credit scoring
Digital onboarding
From website view
to application, fast
No more tedious paperwork or complicated processes.
Borrowers provide financial details through our platform, and HES LoanBox
automatically analyzes profitability ratios, business plans, and key financial metrics. Once all
necessary documents are uploaded, our lending software for small businesses takes care of the
rest—from verifying ownership details to assessing creditworthiness.
Borrowers provide financial details through our platform, and HES LoanBox
automatically analyzes profitability ratios, business plans, and key financial metrics. Once all
necessary documents are uploaded, our lending software for small businesses takes care of the
rest—from verifying ownership details to assessing creditworthiness.
Loan origination
Accelerate your
decision-making process
Choose the loan decision process that works best for you:
fast, automated approvals based on business rules or detailed reviews
by a credit committee. Our platform gathers data from open sources on the company and its
owners, analyzes key financial indicators like EBITDA, and adapts to each loan’s
complexity. Quick, automated decisions for smaller loans, thorough prep for larger
ones—everything you need for informed, efficient lending.
fast, automated approvals based on business rules or detailed reviews
by a credit committee. Our platform gathers data from open sources on the company and its
owners, analyzes key financial indicators like EBITDA, and adapts to each loan’s
complexity. Quick, automated decisions for smaller loans, thorough prep for larger
ones—everything you need for informed, efficient lending.
Safe and secure signing process for SME lenders
Simplify your lending process with secure e-signatures, fully integrated into our lending
software for small businesses. No more paperwork—borrowers can sign documents digitally from
anywhere, anytime. Ensure compliance and efficiency with legally binding e-signatures tailored
for SME loans.
software for small businesses. No more paperwork—borrowers can sign documents digitally from
anywhere, anytime. Ensure compliance and efficiency with legally binding e-signatures tailored
for SME loans.
Open Banking
Open Banking gives you instant access to borrowers’ financial data. Make faster, more
informed loan decisioning with real-time insights and full transparency.
informed loan decisioning with real-time insights and full transparency.
AI-powered scoring
Integrated with GiniMachine, our platform uses advanced ML models to provide precise risk
assessments and enable faster, data-driven decisions for SME loans.
assessments and enable faster, data-driven decisions for SME loans.
KYB & AML
Verify business representatives, validate company data, and monitors transactions to support
AML efforts.
AML efforts.
Loan security
Easily track and manage collateral, customize security terms, and protect your assets
throughout the loan lifecycle, tailored to fit SME lending needs.
throughout the loan lifecycle, tailored to fit SME lending needs.
Configurable
workflows
Get your lending
product estimate
in 3 minutes
STEP:
/
Transform your SME lending with faster approvals
and seamless automation.
and seamless automation.
Loan servicing
Say goodbye to fragmented
loan management
All your workflows, in one workplace.
Our loan servicing software for small business adapts to your needs
and supports everything from loan restructuring and refinancing to adjustable interest
rates. Configure options like variable and government-linked rates, or manage collateral
effortlessly—all essential features for SME lending.
Our loan servicing software for small business adapts to your needs
and supports everything from loan restructuring and refinancing to adjustable interest
rates. Configure options like variable and government-linked rates, or manage collateral
effortlessly—all essential features for SME lending.
One tool instead of 10+ systems
Loan operations
Manage disbursements, repayment processing, and customized repayment schedules to keep your
SME lending operations running smoothly.
SME lending operations running smoothly.
Debt collection
Integration with GiniMachine enables the analysis of vast amounts of financial and
behavioral data to create smart collection plans that reduce delinquency and improve cash
flow.
behavioral data to create smart collection plans that reduce delinquency and improve cash
flow.
Task management
Assign, track, and monitor tasks across your lending operations. Enhance team collaboration
and keep your SME lending process running smoothly and efficiently.
and keep your SME lending process running smoothly and efficiently.
Advanced calculations
Configure flexible interest rates, set variable repayment schedules, and adapt calculations
to meet the specific requirements of each SME loan.
to meet the specific requirements of each SME loan.
Reporting
Time to ditch the spreadsheets. Generate real-time reports on loan performance, borrower
data, and financial metrics for full visibility and control over your SME lending
operations.
data, and financial metrics for full visibility and control over your SME lending
operations.
and much more
Document templates
Automated transactions
Portfolio management
Client communication
Built to connect
Technology architecture outline
Built on cloud
technologies
Access your lending operations from anywhere with real-time data and seamless
updates, ensuring your SME loans are managed efficiently without the need for heavy
infrastructure.
updates, ensuring your SME loans are managed efficiently without the need for heavy
infrastructure.
Cloud provider
Powerful
backend tools
HES LoanBox is built on FOSS technologies, including Java 11, Spring 5, and
PostgreSQL 11, to provide unmatched scalability, flexibility, and security. Manage
your SME lending operations with real-time access without infrastructure limitations.
PostgreSQL 11, to provide unmatched scalability, flexibility, and security. Manage
your SME lending operations with real-time access without infrastructure limitations.
Java LTS stack
Enterprise-
grade security
At HES FinTech, we uphold the highest standards of information security by
implementing an ISO/IEC 27001-compliant Information Security Management System
(ISMS). We actively manage and reduce information security risks, regularly checking
the effectiveness of our security measures through both internal and external
audits.
implementing an ISO/IEC 27001-compliant Information Security Management System
(ISMS). We actively manage and reduce information security risks, regularly checking
the effectiveness of our security measures through both internal and external
audits.
Lending doesn’t have to be complex or outdated.
Leave behind
the complexity
of traditional lending
HES LoanBox streamlines every step, from application to servicing, so you can focus on
growth and customer satisfaction.
growth and customer satisfaction.
Take your lending online
Kickstart online lending
Fully compliant loan management system
Seamless integrations
Customer support
Future-proof architecture
HES FinTech has been our reliable technology partner since 2012. We owe
much of our success to their well-architected solution.
Boris Batine, CEO
HES FinTech offers comprehensive front-to-back solutions with
integrations. Our machine learning platform will allow clients to receive 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
Off-the-shelf small
business lending software
Complete SME lending solution
Launch in 90 days
AI-powered lending workflows
Flexible and scalable solution
FAQ
How does the platform handle loan decisions?
Is the platform compliant with local regulations?
Can the platform integrate with my existing systems?
How secure is the platform?
