Independent Sales Organizations (ISOs) submit multiple files per deal: bank statements, tax returns, driver’s licenses, voided checks, and more. These arrive as separate attachments or uploads, often scattered across multiple emails. For underwriting teams, manually combining these files into one structured packet is time-consuming and error-prone.
Heron automates bundling for ISO submission packets by grouping related files into cohesive, deal-level packets. It detects relationships between attachments, organizes them by merchant, and generates a single combined packet ready for scrubbing and underwriting.
This eliminates manual effort, reduces clutter, and speeds up the move from submission to review.
Bundling creates consistency, improves data visibility, and makes sure that every document tied to a deal moves together through the underwriting workflow.
Use Cases
- Combine files into a single packet: Heron groups multiple attachments from one ISO email into a unified submission packet tied to a specific merchant.
- Detect related files across messages: The system identifies when additional documents (like missing statements or corrected pages) belong to an existing packet.
- Attach packet-level metadata: Each bundle includes key details such as merchant name, ISO source, and submission timestamp.
- Auto-generate bundle summaries: Heron produces a summary page listing all included documents for easy reference.
- Prepare packets for scrubbing: Bundled files feed directly into Heron’s scrubbing engine for completeness and validation checks.
- Version updates: When resubmitted documents arrive, Heron appends them to the correct packet version automatically.
These scenarios help funders move from unstructured submissions to clean, audit-ready packets that can flow directly into underwriting.
Operational Impact
Bundling automation has a measurable effect on throughput and accuracy.
- Speed: Teams spend less time opening and merging files, cutting prep time by over 60%.
- Accuracy: Reduces errors caused by misplaced or missing documents.
- Consistency: Every deal packet follows the same naming and ordering convention.
- Visibility: Packets include an automatically generated manifest showing all contained files.
- Scalability: Enables processing of hundreds of packets per day without bottlenecks.
Funders using Heron see submission preparation time drop significantly, freeing teams to focus on analysis instead of file management.
Collaboration Between ISOs and Funders
Bundling strengthens collaboration by bringing order to shared submission channels.
- ISO confirmation: Brokers receive acknowledgment that all submitted files have been bundled together successfully.
- Missing-info requests: If documents are missing, Heron triggers templated follow-up requests for those files.
- Simplified feedback: Funders can review one complete packet instead of chasing individual attachments.
- Version control: Each re-upload or correction is tied to the right bundle automatically.
- Audit-ready archives: Both sides can access previous packet versions for reference or dispute resolution.
This alignment minimizes back-and-forth emails and increases mutual trust through clear, organized communication.
Implementation Best Practices
To maximize bundling accuracy and efficiency, funders should set up a clear structure and workflow rules.
- Standardize submission sources: Direct all ISO submissions to monitored inboxes integrated with Heron.
- Define packet rules: Establish criteria such as which document types constitute a complete packet.
- Enable version tracking: Maintain bundle versions for each deal as updates or resubmissions occur.
- Review exception reports: Check logs for packets flagged as incomplete or ambiguous.
- Use naming templates: Apply consistent patterns for bundle names (e.g., MerchantName_Date_ISO).
- Train ISOs: Share brief guidelines on submission formats to improve first-pass bundling success.
Following these steps ensures clean, automated packet generation across all ISO channels.
Integration With the Heron Workflow
Bundling sits at the heart of Heron’s automation flow, connecting intake with scrubbing and validation.
- Intake: ISO submissions arrive by email, API, or portal.
- Bundling: Files are grouped, tagged, and named based on merchant and document metadata.
- Scrubbing: Bundled packets undergo completeness and policy checks automatically.
- Write-back: Clean, structured bundles are logged in the CRM and linked to deal records.
- Exception routing: Incomplete or duplicate bundles trigger review queues for human verification.
- Next action: Completed bundles advance to underwriting or funding review automatically.
This structured flow removes friction between stages and standardizes every deal’s journey.
Benefits of Using Heron for Bundling ISO Submission Packets
- Speed: Combines and organizes multi-file submissions instantly.
- Accuracy: Maintains tight control over document order and completeness.
- Scalability: Handles large daily submission volumes with no added staff.
- Consistency: Every deal packet looks the same, improving downstream workflows.
- Transparency: Both funders and brokers can easily verify what was submitted and when.
Heron transforms scattered ISO submissions into cohesive, decision-ready packets that move seamlessly through the pipeline.
FAQs About Bundle for ISO Submission Packets
How does Heron determine which files belong in the same bundle?
Heron analyzes sender information, merchant names, and submission timestamps to identify related attachments, then combines them into a single structured packet.
Can Heron update bundles if new files are sent later?
Yes. When new documents arrive for an existing merchant or deal, Heron appends them to the appropriate packet version automatically.
What happens if two ISOs send packets for the same merchant?
Heron keeps submissions separate by tagging each bundle with the ISO’s unique identifier, preventing data overlap or confusion.
How does bundling improve underwriting readiness?
By combining all required documents into one file set, Heron reduces time spent locating missing materials and allows underwriting to begin immediately.
Can bundle summaries be customized?
Absolutely. Teams can define which metadata and document listings appear in the summary page for consistent reporting and auditing.
