HES FinTech

HES FinTech builds LoanBox, end-to-end lending software covering digital onboarding, loan origination, credit decisioning, loan servicing and debt collection, alongside an AI decision-making platform and CollectionAgent, an AI debt collection tool.

The breadth of lending types addressed is the most striking thing about the product and it reflects how varied lending actually is. Consumer coverage spans consumer lending, auto finance, buy now pay later, payday loans, microfinance, Islamic finance, peer to peer, student loans and healthcare finance. Business coverage spans commercial lending, SME lending, bank lending, merchant cash advance, trade finance, factoring, leasing, working capital finance and green finance.

Islamic finance in HES FinTech deserves specific mention because it is not a configuration difference but a structural one. Sharia-compliant products cannot charge interest, so the underlying transaction is a cost-plus sale, a lease or a profit-sharing arrangement rather than a loan, and a system whose data model assumes interest accrual cannot represent them. Supporting it means the product handles more than one theory of what a loan is.

HES FinTech configurability underpins that range, with configurable products, custom workflows, automated transactions, task management and integrations named as platform features rather than services. CollectionAgent applies AI to the collection stage specifically. Regional presence is published for the United States, United Kingdom, Saudi Arabia and Australia, and the Saudi presence is consistent with the Islamic finance support. Pricing is not published.