Loading
Lending & Multi-Finance
Manage the full loan lifecycle from application, credit scoring, and disbursement to collection on one integrated platform.
From application to disbursement
Rule engine integrated with credit bureaus
OCR, liveness detection, digital signature
Indonesia's financing industry operates under an increasingly structured regulatory framework, from POJK No. 10/2022 governing multifinance companies to newer provisions such as POJK No. 32/2025 on buy now, pay later services. Amidst this regulatory tightening, many finance companies still rely on manual processes or fragmented systems across application, credit scoring, disbursement, and collection, slowing decision times, raising operational risk, and making compliance harder to demonstrate.
Loan Management System by HBM unifies the entire loan lifecycle on one integrated platform from loan origination, rule-engine-based credit assessment, collateral management, and disbursement to collection and regulatory reporting. With fully configurable workflows, the system supports diverse financing models, from secured/unsecured retail loans to SME schemes like supply chain financing and invoice factoring.
Loan applications from submission to approval with configurable multi-level workflows.
Automated risk scoring integrated with external credit bureaus.
Schedule a demo or discuss your specific financing scheme needs with the HBM team.
Full audit trail and regulatory reporting
End-to-end handling from valuation to release.
Automated fund release, one-time or staggered.
Auto-debit and integrated collection activity management.
Regulatory reporting and automated PL/NPL classification.
Get regulatory insights, whitepapers, and fintech trends delivered straight to your inbox.
© 2026 PT Hexaon Business Mitrasindo. Seluruh hak cipta dilindungi.
