SME lending
software solution
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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.
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.
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.
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:
/
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
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
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.
HES FinTech offers comprehensive front-to-back solutions with integrations. Our machine learning platform will allow clients best-in-class investment advice.
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.
HES FinTech developed our lending software and predictive analytics. Their expertise delivered automation, clear UI/UX and customer portal.
The LMS provided flexible repayment options, automated restructuring and branch-level management, enhancing efficiency and risk mitigation.
Off-the-shelf small business lending software
Complete SME lending solution
Launch in 90 days
AI-powered lending workflows
Flexible and scalable solution
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