HES LoanBox

Loan Origination System (LOS): Automates credit decisioning with business rules, scoring models, and third-party data integrations. Gathers financial documents, analyzes income, and manages credit workflows—automatically or with manual control.

Loan Management System (LMS): Handles disbursements, interest calculations, flexible repayment schedules, refinancing, and restructuring with full transparency. Tracks every loan operation in a centralized, auditable system.

Debt collection module: Creates smart collection strategies with automated reminders, rescheduling options, and escalation rules based on borrower behavior and risk scores.

Back Office: Provides a 360-degree view of operations. Lenders can monitor deal flows, team productivity, and loan performance in real time.

AI-powered scoring & decisioning: Utilizes both traditional and alternative data to assess borrower risk and make faster, more accurate credit decisions.

Digital Onboarding & KYC/KYB: Streamlines customer verification with fully digital onboarding processes, e-signatures, and AML checks, ensuring regulatory compliance from day one.

Custom workflows: Offers a built-in visual editor to configure workflows, forms, and loan logic without writing code. This reduces time to market for new products or process changes.

Speed to market: Typical time-to-market is 3 months

Customization: Adapts every step of the process to internal workflows and risk models.

Scalability: For processing hundreds or millions of applications, LoanBox scales.

Dedicated support: The customer support team helps to ensure fast onboarding, knowledge sharing, and system updates tailored to meet any needs.