Leasing management software for
asset finance companies
Built for captive lessors, equipment finance providers, and bank-owned leasing arms. Vehicle, equipment, real estate, and vendor-backed agreements, managed across the full contract lifecycle on one platform.
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Flexible software for the full
leasing contract lifecycle
Streamlined onboarding
Open a branded application channel that works from any dealer showroom, broker office, or lessee device.
Make it simple for businesses and individuals to request a quote, share company documents, and start a lease. Backed by KYB verification, automated income and asset checks, and intelligent document capture.
Make it simple for businesses and individuals to request a quote, share company documents, and start a lease. Backed by KYB verification, automated income and asset checks, and intelligent document capture.
Structured origination
Speed up credit decisions with configurable underwriting flows, AI-driven scoring, and direct connections to credit bureaus and asset valuation sources.
Build lease products in a configurable engine that can be set up for residual values, flexible terms, and end-of-term scenarios per project. Tailor pricing per asset class, lessee segment, or vendor program without involving developers.
Build lease products in a configurable engine that can be set up for residual values, flexible terms, and end-of-term scenarios per project. Tailor pricing per asset class, lessee segment, or vendor program without involving developers.
Reliable servicing
Manage instalment schedules, asset records, and lessee communications from one connected workspace.
Handle mid-contract changes: schedule adjustments, lease extensions, early buyouts, and asset swaps, all with real-time portfolio visibility and a full audit trail. Operations and lessees stay aligned through every stage of the agreement.
Handle mid-contract changes: schedule adjustments, lease extensions, early buyouts, and asset swaps, all with real-time portfolio visibility and a full audit trail. Operations and lessees stay aligned through every stage of the agreement.
Intelligent collection
Recover overdue lease payments through AI-driven outreach, predictive arrears scoring, and tailored restructuring options.
When recovery isn't viable, run repossession and remarketing workflows within the same platform, without spreadsheets or hand-offs to external systems.
When recovery isn't viable, run repossession and remarketing workflows within the same platform, without spreadsheets or hand-offs to external systems.
Smart task management for leasing operations
Push every lease deal forward without losing time between hand-offs. Auto-assign tasks by role and workload, monitor SLAs in real time, and keep credit, KYB, contract admin, and servicing teams working from the same picture.
Online onboarding
Leasing management software that
cuts deal cycles from weeks to days
Long deal cycles cost lease providers more wins than rejected applications ever will. Compress every stage between quote and signature with embedded calculators, parallel verifications, and dealer-side automation, so lessees stay in the funnel and your team closes more agreements per quarter.
Help lessees compare options before they commit
Approve lease applications in hours, not weeks
Keep lessees in the loop after contract signing
Scale through vendor and dealer networks
Offline onboarding
Borrowers can fill out forms and upload images using any convenient device. The leasing system software sends
notifications via SMS/email and can save partially completed forms.
Lease origination
One origination
engine for vehicle,
equipment, and
real estate leases
Slow reviews and missing asset data quietly drain margin from every lease deal. Run KYB, credit, and contract checks in one flow and approve with confidence.
Build a defensible lessee profile in minutes
Underwriting rules that match each asset class
Credit scoring tuned to lease economics
GiniMachine reads every closed lease
Paperless lease packaging from quote to signature
and much more
Unlimited lease product configuration
Configure any lease product your market needs: vehicle finance, operating leases, equipment finance, or real estate agreements. Adjust rates, fees, residuals, and instalment schedules per asset class, region, or partner program through the configurable product engine, no developer time required.
Automated lease contract generation
Build lease agreement templates, payment schedules, and amendment forms with merge variables, then generate signed documents in seconds. Cut drafting errors, accelerate signature, and keep contract wording aligned with the rules of each region you operate in.
Vendor and broker offer dispatch
Configure a partner-facing flow where dealers, vendors, and brokers invite teammates, work through assigned leads, and send lease quotes in a couple of clicks. Recipients open the offer in their inbox and continue straight into the lessee portal to finalise paperwork.
Role-based access for every party
Lessors, dealers, vendors, agents, and lessees each see only what they need. Granular permissions, configurable password rules, two-factor login, and device-level controls keep sensitive contract data safe and every action logged for audit.
Multichannel lessee communication
Reach lessees through SMS, email, and in-app messages with triggers tied to instalment dates, contract milestones, and asset events. Reduce support load while keeping lessees on top of every commitment over the life of the lease.
No-code workflow builder
Draw lease application paths, decision branches, and approval steps in a visual canvas. Launch new workflows in days, not quarters, and adjust them as risk appetite or partner programs shift over time.
Get your lending
product estimate
in 3 minutes
STEP:
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Lease servicing
One workspace for every active lease
Spreadsheets and patched tools quietly cost servicing teams hours every week. Run the lease book from a single workspace with live portfolio data, configurable workflows, and integrated payments.
Lease lifecycle automation
One view for every lease product
360° view of every lessee
Trusted payment operations
Application
Loans
Product Engine
Configurations
Lease collections
Cut lease arrears without
burning the lessee relationship
Aggressive chasing damages future business and slow chasing loses the money outright. Run lease arrears through one workflow that picks the right channel, the right tone, and the right escalation point for each lessee and each missed instalment.
Run the full recovery workflow on autopilot
Personalise every collection action with AI
Prevent missed instalments before they happen
Penalty management aligned with local rules
100+ integrations that plug your
leasing platform into everything
HES LoanBox connects to the systems leasing operations actually run on, from credit bureaus and KYB providers to payment rails, accounting tools, and asset registries. Use pre-built connectors out of the box or wire in anything custom through open APIs.
Leasing reporting and analytics
HES LoanBox builds dashboards around the KPIs leasing teams actually act on: arrears trends by asset class, residual exposure, vendor performance, and portfolio yield. Export raw data, configure custom metrics, and slice the book any way the business needs.
What you get by choosing
our leasing management software
Unlimited customization
Tailor every module to your leasing operation: forms, workflows, pricing logic, and integrations with bureaus, payment providers, or any other service. API-first architecture and custom development on demand make sure the platform follows the business, not the other way round.
Transparent pricing, no vendor lock-in
HES offers simple pricing: you pay for the license, with extra costs only for custom development. Unlimited internal users, dealers, vendors, and lessees included. No vendor lock-in: the source code stays yours to extend.
3-month product launch
Go live in just 3 months. Start writing leases sooner, see ROI faster, and skip the multi-year rollouts that legacy leasing platforms still ask for.
Industry expertise
Work with business analysts who bring 15+ years in financial and credit software across the US, EU, and emerging markets, with deep exposure to leasing operations.
Proven security
ISO 27001 and SOC 2 certified. Hosted on AWS or Google Cloud with a secure Java LTS stack, role-based access, two-factor authentication, and regular security updates.
Dedicated support
Get fast, expert help from a dedicated support team whenever your operation needs it.
Security
Deployment
Tech stack
Enterprise-grade
security
ISO 27001 and SOC 2 certifications, paired with a controlled SDLC, keep security consistent across every operation, supported by full data encryption, role-based access control, two-factor authentication, and a hardened hosting infrastructure for every leasing deployment we run.
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Built on cloud
technologies
HES LoanBox leasing software can be deployed on-premises, in private cloud, or in the public cloud of any provider you already work with, including AWS and Google Cloud.
Cloud provider
Powerful
backend tools
HES LoanBox is built on open-source foundations like Java LTS, BPMN 2.0, Camunda, and Form.io modeler. That approach removes additional licensing fees beyond the platform source code and keeps the stack flexible for long-running leasing operations.
Java LTS stack
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.
The 2026 state of
leasing and asset finance
$1.3T
equipment finance industry size
The US equipment finance industry now stands at $1.3 trillion (ELFA, 2025). Scaling a leasing book inside this market without modern software means leaving margin on the table.
1.61%
auto loan and lease delinquency rate
60+ day delinquencies on US auto loans and leases reached 1.61% in late 2025 (Equifax via NY Fed). Static scoring and manual servicing struggle to keep up with renewed credit stress.
$10.4B
auto and lease fraud exposure
US auto and lease fraud exposure climbed to $10.4 billion in 2025 (Point Predictive). More than 70% of early payment defaults now show evidence of origination fraud.
+3.1%
equipment finance growth despite tighter credit
Equipment finance new business volume grew 3.1% in 2024 (ELFA SEFA). Lenders chasing this growth with legacy platforms lose deals to faster, better-priced competitors.
