Islamic finance software
Empowering Islamic financial institutions
with top-tier loan management systems
HES LoanBox solution includes
Digital Onboarding
Loan Origination
Loan Servicing
100% process automation
AI-powered lending workflows
Compliance with Islamic finance rules
Deployment in 3 months
Seamless integration
Digital onboarding
Turn leads into borrowers
Capture leads and provide initial loan calculations.
Potential clients are then guided from the Landing Page to the Borrower Portal, where they can
submit their loan applications for further processing in accordance with Islamic finance rules.
Onboarding can be initiated directly from your website, through authorized agents, or via any
integrated applications.
Potential clients are then guided from the Landing Page to the Borrower Portal, where they can
submit their loan applications for further processing in accordance with Islamic finance rules.
Onboarding can be initiated directly from your website, through authorized agents, or via any
integrated applications.
Open banking
Gain direct access to up-to-date financial information, such as account balances,
transaction history, and income verification, for your potential borrowers. Use this
data to offer personalized financial products that align with Islamic finance principles
and streamline the application process.
transaction history, and income verification, for your potential borrowers. Use this
data to offer personalized financial products that align with Islamic finance principles
and streamline the application process.
Loan calculator
Help your borrowers estimate their loan payments and financial obligations before applying.
Then, they can choose the most suitable credit product based on their personal needs and
proceed to the credit application.
Then, they can choose the most suitable credit product based on their personal needs and
proceed to the credit application.
KYC
Verify your potential clients’ identities within seconds, reduce onboarding time, and
enhance fraud prevention with our KYC module, which connects directly with trusted KYC
providers.
enhance fraud prevention with our KYC module, which connects directly with trusted KYC
providers.
Loan origination
Accelerate your
lending process
Simplify and streamline the loan origination process for your customers.
Our Islamic finance system supports Sharia-compliant, rule-based applications, and connects
with credit bureaus to provide financial insights. Your borrowers can easily apply for loans
and track their progress—all within a system designed to meet the unique requirements of
Islamic finance.
Our Islamic finance system supports Sharia-compliant, rule-based applications, and connects
with credit bureaus to provide financial insights. Your borrowers can easily apply for loans
and track their progress—all within a system designed to meet the unique requirements of
Islamic finance.
E-signature available for all documents
Eliminate the need for paperwork and provide a secure and efficient signing
process for both borrowers and your team. All sensitive information will be stored in a
secure digital environment.
process for both borrowers and your team. All sensitive information will be stored in a
secure digital environment.
Customizable application flow
Whether you need to add specific approval stages or adjust document requirements, HES
LoanBox gives you the control to create an application flow that enhances efficiency,
improves user experience, and ensures compliance with Islamic finance rules.
LoanBox gives you the control to create an application flow that enhances efficiency,
improves user experience, and ensures compliance with Islamic finance rules.
Credit report
Retrieve and analyze credit reports from various bureaus, getting insights into an
applicant’s creditworthiness and risk profile.
applicant’s creditworthiness and risk profile.
Fully automated
decision-making
Get your lending
product estimate
in 3 minutes
STEP: /
HES LoanBox elevates your lending business
to the next level of
efficiency.
to the next level of
efficiency.
Loan servicing
Unlock seamless
loan servicing
Maximize efficiency with end-to-end loan servicing functionality.
Our platform offers AI-powered scoring for accurate borrower assessment, combined with
automated decision-making to minimize errors and boost efficiency. Advanced task management and detailed reporting provide all the tools you need to optimize lending operations and make informed decisions.
Our platform offers AI-powered scoring for accurate borrower assessment, combined with
automated decision-making to minimize errors and boost efficiency. Advanced task management and detailed reporting provide all the tools you need to optimize lending operations and make informed decisions.
Calculation and product engines
The calculation engine ensures all calculations are accurate and Sharia-compliant, while the
product engine allows you to create and manage tailored financial offerings to meet diverse
client needs.
product engine allows you to create and manage tailored financial offerings to meet diverse
client needs.
Deal management
From structuring deals to monitoring progress and closing, track deals in real-time, ensure
compliance, and optimize your workflow for better decision-making and results.
compliance, and optimize your workflow for better decision-making and results.
Automated transactions
Eliminating manual processes, ensure accuracy, and reduce the time required to complete
each transaction. HES LoanBox automates the entire transaction workflow, from initiation
to completion, in full compliance with Islamic finance principles.
each transaction. HES LoanBox automates the entire transaction workflow, from initiation
to completion, in full compliance with Islamic finance principles.
Scoring model management
Create, adjust, and optimize credit scoring models that incorporate both traditional
financial data and alternative data sources, tailored to your specific lending criteria.
financial data and alternative data sources, tailored to your specific lending criteria.
Reporting
Generate detailed, customizable reports and track key metrics on borrower behavior and
portfolio performance to improve decision-making and boost operational efficiency.
portfolio performance to improve decision-making and boost operational efficiency.
and much more
Document templates
Task management and KPIs
Automation of disbursements and payments
Portfolio management
Client communication
HES LoanBox
covers
all types of Islamic finance
Our team can customize HES LoanBox to meet your organization’s
specific needs.
specific needs.
Murabaha
Ijarah
Tawarruq
Mudarabah
Wakala
Musharakah
Istisna’a
HES LoanBox is ideally suited for businesses that
operate under
Islamic finance regulations.
operate under
Islamic finance regulations.
Tailored local
integrations
HES LoanBox connects with regional systems and providers. With our Islamic finance system, your
lending processes will be fully aligned with local regulations and market needs.
lending processes will be fully aligned with local regulations and market needs.
Open banking
Secure and reliable access to users’ bank accounts. Enhance your lending processes with
real-time financial data with more accurate credit assessments and personalized offerings.
real-time financial data with more accurate credit assessments and personalized offerings.
Payment processing
Our Payment Processing integrations provide efficient and secure transaction platforms
tailored specifically for Islamic finance.
tailored specifically for Islamic finance.
KYC/KYB
Reduce onboarding time, mitigate risks, and verify the identities of individual borrowers
and businesses with the highest standards of regulatory compliance.
and businesses with the highest standards of regulatory compliance.
eSignature
Speed up the signing process and enhance security. Reduce processing time and eliminate
physical paperwork, allowing borrowers to sign documents electronically from anywhere.
physical paperwork, allowing borrowers to sign documents electronically from anywhere.
Reporting
With real-time data and analytics, you can monitor key metrics, spot emerging trends, and make
informed decisions to streamline your processes.
informed decisions to streamline your processes.
Credit bureau
Conduct thorough credit checks on potential borrowers, assess their creditworthiness, and
customize credit offerings to better meet your clients’ needs.
customize credit offerings to better meet your clients’ needs.
Technology architecture outline
Top-tier tech with
cloud reliability
Our tech stack includes Java 21, Spring 6, and PostgreSQL 16, backed by the capabilities of Oracle, Google Cloud, and AWS, depending on the needs of the specific solution. This combination ensures high performance, scalability, and security, providing a reliable foundation for your business.
Cloud provider
Powerful
backend tools
HES FinTech’s Islamic finance solutions are built using cutting-edge, free, and
open-source technologies such as Java 11, Camunda, and Form.io modeler.
open-source technologies such as Java 11, Camunda, and Form.io modeler.
Java LTS stack
Security as
a top priority
Our ISO 27001 certification reflects our unwavering commitment to safeguarding your
data. Since our founding in 2012, we have proudly maintained a record of zero data
breaches.
data. Since our founding in 2012, we have proudly maintained a record of zero data
breaches.
Unlock the potential of your lending business
with HES LoanBox.
with HES LoanBox.
Murabaha and
Sharia-compliant
lending software
Our platform facilitates transactions and lending practices that fully comply with ethical
norms and regulatory frameworks.
norms and regulatory frameworks.
Take your lending online
Kickstart online lending
Sharia-compliant loan management solution
Seamless integrations
Reliable support
Ready for tomorrow
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
Islamic finance solution
First deployment in 3 months
Sharia-compliant platform
Instant loan decision-making
AI-driven lending processes
FAQ
How does HES LoanBox ensure Sharia compliance?
Can the software integrate with my existing systems?
Can HES LoanBox be customized for my specific business needs?
How long does it take to implement HES LoanBox?
