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Translate bank transactions into meaningful data

Bank data is the immutable source of truth for a business. We parse bank transaction data either from PDF bank statements or aggregators like Plaid. Leveraging our proprietary ML models, we extract key information from the transactions and categorise them into your desired output

Financial Metrics from Bank Data: unique transactions, latest balance, NSF days, ATM withdrawals, Unconnected Accounts

We work with all types of business lenders

Our customers use our products to increase revenue, speed and profitability

Revenue boost
Underwriting speed
Credit limits

Use cases

Business Lending

Pre-qualify and underwrite companies faster and more accurately using our dashboard. Calculate cashflow-based metrics and identify risk flags. Monitor portfolio performance on an ongoing basis. Learn more

Beautiful Transaction Feed

Instead of displaying back messy transaction data, delight your customers with clean merchant names, icons and URLs so they can easily identify their spend.

Business Analytics

Provide financial insights to your business customers. Help your users with revenue and runway calculations, spend by category and a cash-based P&L. Book demo

Merchant Rules

Use our lightning-fast merchant detection to allow customers to lock cards to specific merchants with >99% recall and precision. Simplify your customers accounting/ERP reconciliation. Book demo

What our customers say

Anyone financing businesses knows that bank data is the immutable source of truth for a businesses’ financial health, it’s just really messy. Heron is best-in-class at making sense of that data. Building the tech ourselves instead of partnering with Heron would have been like hosting our own servers rather than using a Cloud provider. As soon as we tested the product, we knew it was a no brainer.

Satwik Seshasai
Satwik Seshasai
CTO, ClearCo

Working with Heron has been a hugely successful partnership for us at Torpago. We’ve been able to process applications more efficiently, reducing underwriting turnaround time by 96%, and improved our cash coverage ratio for customers by up to 10x.

I could go as far as saying that we almost wouldn’t be able to properly underwrite without Heron Data, or at the very least not do it in an effective manner. We would need to internally build a transactions tagging and aggregator tool, which would take us months and require us to hire data scientists, credit experts and developers

Since we started using Heron, our underwriters can re-construct an applicant's financials from bank data in minutes. It's transformed how much we can rely on bank data in underwriting.

Chief Risk Officer
US Business Lender with $50M+ loan portfolio

I built a classification system for consumer transactions at a previous company - I know how hard it is. What the Heron team have built is truly exceptional. The accuracy for business transactions is best-in-class and they have literally saved us years of Data Science and Engineering effort.

Chief Technology Officer
US Top 10 Online Lender

Build with confidence

Use our output to make critical decisions and power features. We built all the tools to give you access to, control over and trust in the data.

Secure API

We are SOC 2 Type 2 certified. Data is encrypted in-transit and at-rest and we follow strict security processes.

Guaranteed Uptime

We provide uptime and performance-based SLAs to ensure we provide what we promise.

Easy Integration

We maintain clear API Docs and provide sample SDKs for integration.

State-of-the-art ML Models

Our highly skilled ML Team builds and trains cutting-edge and custom-built models.

Automated Feedback

We re-train our models frequently to guarantee we provide an always-improving service.

Personalized Support

Responsive and direct customer support via Slack or Email.