Funding packets are the backbone of deal flow in merchant cash advance (MCA) and small-business funding operations.
Each packet typically contains bank statements, applications, tax documents, financial summaries, and decision emails that collectively determine whether a merchant qualifies for funding.
Manually collecting and organizing these submissions consumes time, creates versioning errors, and delays underwriting.
Heron automates intake for funding packets, capturing every incoming submission, whether sent by email, uploaded via portal, or pushed through API, and transforming it into a structured, ready-to-review dataset.
With Heron, funders and brokers gain real-time visibility into submission completeness and readiness, reducing manual intervention and accelerating deal cycles.
Use Cases
- Centralize multi-channel submissions: Heron consolidates funding packets arriving from shared inboxes, portals, or partner systems into a single structured workspace.
- Auto-detect funding packet types: The system identifies core documents such as bank statements, applications, and decision forms, organizing them automatically.
- Acknowledge receipt instantly: Brokers and partners receive auto-generated confirmations when packets are received.
- Check for missing files or pages: Heron’s completeness engine flags incomplete packets and triggers missing-info requests automatically.
- Prepare data for scrubbing: Once packets are fully captured, Heron queues them for scrubbing and parsing.
- Link to the right CRM record: Intake data syncs with CRM objects (e.g., “Merchant Application” or “Deal Record”) for seamless continuity.
Operational Impact
Automated intake transforms how funders handle incoming submissions.
- Speed: Funding packets are captured and classified in seconds instead of hours.
- Accuracy: Every file and email attachment is indexed, named, and linked correctly.
- Scalability: Teams can process hundreds of packets per day without adding staff.
- Clarity: Intake dashboards show live volumes, missing items, and readiness scores.
- Efficiency: Manual inbox sorting is eliminated, freeing teams to focus on underwriting.
With Heron’s intake automation, teams can move from inbox to decision in a fraction of the time.
Document Flow and Automation
Heron’s intake for funding packets follows a clear, structured flow:
- Capture: Emails sent to addresses like funding@ or intake@ automatically feed into Heron.
- Classification: The system identifies document types—bank statements, tax returns, P&L statements, decision emails, and identity documents.
- Normalization: File names and formats are standardized for downstream processing.
- Completeness check: Each packet is reviewed for required documents and page integrity.
- Acknowledgment: A receipt email confirms submission to the broker or partner.
- Write-back: The intake data syncs to the CRM with status markers such as “Received,” “Complete,” or “Needs Info.”
This workflow turns messy inbox traffic into a reliable, auditable pipeline.
Compliance and Security
Funding packet intake involves sensitive financial information, so Heron enforces enterprise-grade controls.
- SOC 2–aligned infrastructure: Data is encrypted in transit and at rest.
- Access control: Only authorized users can view or modify packet contents.
- Immutable logging: Every intake event (who sent it, when, and from where) is timestamped.
- Redaction on export: PII and financial details can be redacted before external sharing.
- Data retention policies: Packets are stored according to each organization’s compliance standards.
This guarantees security, traceability, and peace of mind for both brokers and funders.
Collaboration and Workflow Integration
Heron connects every stakeholder in the funding process through shared automation.
- Operations teams: Gain instant insight into queue status and completeness metrics.
- Underwriters: Receive pre-sorted, labeled packets ready for immediate review.
- Brokers: Get notified automatically when packets are received or missing documents.
- Managers: Track turnaround times, intake volumes, and SLA adherence through dashboards.
- Compliance teams: Access complete audit trails for every submission.
Heron makes intake collaboration seamless; no more lost attachments, mixed threads, or manual updates.
Performance Metrics and Business Outcomes
- 90% reduction in manual sorting: Heron automates intake steps that once required multiple staff.
- Faster underwriting: Ready-to-review packets reach underwriters 5–10× faster.
- Lower rework rates: Completeness and validation checks prevent missing data.
- Higher deal volume: Teams handle 2–3× more funding packets without increasing headcount.
- Improved broker relationships: Instant acknowledgments and cleaner submissions boost trust and satisfaction.
Automation of funding packet intake delivers measurable ROI within weeks of deployment.
Benefits of Using Heron for Intake of Funding Packets
- Speed: Rapid capture and preparation of every incoming packet.
- Accuracy: Files and data mapped correctly with zero manual naming.
- Consistency: Every submission follows the same intake workflow.
- Compliance: Complete, traceable records for every claim and merchant.
- Scalability: Handle increasing volumes without additional staff.
Heron transforms the first step of funding workflows into a competitive advantage built on precision and speed.
FAQs About Intake for Funding Packets
How does Heron capture funding packets?
Heron receives submissions through email, portal uploads, or API integrations. It captures all attachments, identifies document types, and organizes them into unified packets for processing.
What happens if a funding packet is incomplete?
Heron’s completeness engine flags missing documents and automatically sends a missing-info request to the submitter, listing what’s required.
Can Heron connect with our CRM or loan origination system?
Yes. Heron integrates directly with CRMs and deal management platforms so every intake automatically updates the correct record and status.
How does Heron keep funding data secure?
All packet data is encrypted, access-controlled, and logged. Every file, action, and user event is fully traceable for audit readiness.
How much time does automation save during intake?
Most Heron customers cut intake time by 80–90%, freeing their teams to process more deals and focus on underwriting rather than admin.
