LoanBox

A flexible and scalable loan origination and management platform сovering the full credit lifecycle: borrower onboarding, application intake, decision-making, disbursement, servicing, and collections.

Core functionality includes end-to-end digital onboarding with automated workflows, omnichannel borrower access, seamless KYC/AML checks, and built-in compliance automation.

The platform offers advanced document automation with configurable templates, e-signatures, and borrower-facing flexibility for agreements and communication workflows.

It also includes a rich analytics ecosystem featuring customizable dashboards that provide real-time insights into loan performance, portfolio quality, and operational KPIs.

2) GiniMachine

A no-code AI-driven decision management platform that enables smart decision-making across a variety of businesses.

Its AI engine can analyze all types of historical data and machine learning algorithms to build high-performing scoring models.

The platform supports credit risk management, including credit scoring, application scoring, and collection scoring, as well as predictive analytics for banking, alternative lending, and financial services.

3) The HES Collection Agent

AI-powered debt management and collection software for smart recovery strategies and automation of collection workflows.

Core capabilities include an AI engine for smart segmentation and prioritization, control and optimization tools, operational efficiency enhancement, a "Next Best Action" engine, сonfigurable workflows and API-first architecture, and enterprise-grade security.

Why Choose HES FinTech?

Proven expertise: Over a decade of experience delivering successful projects in consumer, commercial, and SME lending.

Global reach: Trusted by financial institutions in 30+ countries for secure and regulatory-compliant software.

Scalable and customizable solutions: Future-proof platforms designed to adapt to evolving business needs and market demands.

High configurability and modularity: Use LoanBox as a full end-to-end lending platform or integrate only the required microservices based on your workflow, regulatory environment, or lending model (consumer, SME, BNPL, auto, leasing).

Optional developer license option that eliminates vendor lock-in and provides full control for internal development teams.

Possibility to deploy software on premise and in cloud — the cloud provider can be chosen as well (AWS, Azure, GCP, national clouds).

Optional "fix price" model: paid estimate period with the accuracy of up to 95% and further deployment without extra costs.