How does the platform handle loan decisions?

HES LoanBox offers three decision-making options: automatic, semi-manual, and manual processes. Automatic decisions are based on predefined business rules for smaller loans, while semi-manual and manual processes allow for more detailed reviews, including credit committee involvement for complex cases. The platform gathers and analyzes key financial data to help you make accurate, informed decisions quickly.

Is the platform compliant with local regulations?

Yes, our small business lending platform is fully compliant with local regulations and industry standards. It includes built-in compliance features to ensure that all your lending operations adhere to the latest legal requirements.

Can the platform integrate with my existing systems?

Absolutely. Our platform supports seamless integrations with a wide range of third-party tools and APIs, allowing you to connect your existing systems, streamline workflows, and improve efficiency across your operations.

How secure is the platform?

Security is a top priority. HES LoanBox is built with ISO/IEC 27001-compliant security protocols and includes comprehensive data protection measures. Regular internal and external audits ensure the platform remains secure and fully protected against evolving threats.

SME lending
software solution

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Automated underwriting compresses multi-day credit reviews into decisions that keep pace with how small businesses actually operate.

90%

quicker credit decisions

Segment your SME portfolio by repayment behaviour, identify accounts worth pursuing, and recover more without straining relationship value.

25%

improved recoveries

Reduce the per-loan cost of serving smaller ticket sizes — making SME lending commercially viable at scale through workflow automation.

60%

cost reduction

Scalable SME software for the complete
lending journey

Fast onboarding

Give small business owners a straightforward digital application experience that works on any device. Capture business financials, director information, and supporting documents quickly through automated data prefill and open banking integrations.
Built on KYC/KYB verification, affordability checks, and smart document collection designed for high-volume SME intake.

Intelligent origination

Approve more SME borrowers with confidence using rule-based credit decisioning, AI-powered scoring, and real-time access to accounting, banking, and bureau data.
Configure loan products with sector-specific eligibility criteria, tiered pricing logic, and risk conditions that reflect the diversity of your SME customer base.

Efficient servicing

Manage repayment schedules, limit reviews, and borrower communications across a large SME portfolio from a single platform.
Automate routine account management tasks, track payment behaviour in real time, and flag accounts requiring attention before issues escalate.

Targeted collection

Segment delinquent SME accounts by risk profile and recovery potential. Deploy AI-driven outreach, tailored repayment arrangements, and automated follow-up workflows that maximise recovery rates while preserving the borrower relationships that drive repeat business.

Digital onboarding

From website view
to application, fast

Landing Page

Agent Portal

Mobile version

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.

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Loan origination

Accelerate your
decision-making process

Business plan

Company profile

Financial analysis

Decision-making

Scoring

Active loan

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.

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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.

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.

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.

KYB & AML

Verify business representatives, validate company data, and monitors transactions to support 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.

Configurable
workflows

Get your lending
product estimate
in 3 minutes

STEP: /

Transform your SME lending with faster approvals
and seamless automation.

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Loan servicing

Say goodbye to fragmented
loan management

Deal management

Task management

Product engine

Debt collection

Reporting

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.

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One tool instead of 10+ systems

Loan operations

Manage disbursements, repayment processing, and customized repayment schedules to keep your 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.

Task management

Assign, track, and monitor tasks across your lending operations. Enhance team collaboration 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.

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.

and much more

Document templates

Automated transactions

Portfolio management

Client communication

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Built to connect

Security

Deployment

Tech 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.

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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.

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.

Java LTS stack

Lending doesn’t have to be complex or outdated.

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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.

Take your lending online

Kickstart online lending

Fully compliant loan management system

Seamless integrations

Customer support

Future-proof architecture

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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

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