Funding packets often contain all the essential documents (applications, approvals, statements, and supporting attachments) that determine whether a deal moves forward. The challenge lies in making sure each packet reaches the right team at the right time.
Manual routing, especially in high-volume environments, creates delays, errors, and miscommunication.
Heron automates routing for funding packets, instantly directing each packet to the correct team or queue based on document type, completeness, eligibility, and deal priority.
This makes sure every submission flows through the funding pipeline efficiently, without human intervention or confusion.
Use Cases
- Route complete packets to underwriting: Once Heron detects all required documents, it sends the packet directly to the underwriting queue.
- Send incomplete packets to brokers: Packets missing key files are automatically routed back to brokers or ISOs with a missing-info summary.
- Prioritize urgent deals: Heron identifies time-sensitive funding opportunities and routes them to fast-track queues.
- Segregate deals by program or product type: Different funding programs or criteria are assigned to dedicated review paths.
- Assign based on workload: The system balances packet flow among team members to avoid bottlenecks.
- Re-route when exceptions arise: If new documents change eligibility, Heron adjusts routing in real time to the appropriate queue.
Operational Impact
Routing automation eliminates one of the most common bottlenecks in funding operations.
- Speed: Packets move instantly between teams without waiting for manual review.
- Accuracy: Each submission lands with the right owner or queue every time.
- Visibility: Teams can see routing logic and packet locations through dashboards.
- Efficiency: Managers spend less time coordinating handoffs and more time optimizing throughput.
- Scalability: Even during volume spikes, routing remains smooth and predictable.
By connecting routing logic directly to completeness and validation, Heron maintains continuous momentum from intake to funding.
Automation and Routing Logic
Heron’s routing engine applies layered rules to every funding packet.
- Data-driven triggers: Routing depends on key fields like merchant type, funding amount, and completeness score.
- Eligibility-based branching: Packets that meet criteria are routed to underwriting; those that fail are sent for broker follow-up.
- Dynamic load balancing: The system distributes work evenly among available underwriters or queues.
- Workflow integration: Heron pushes updates directly to CRMs or funding systems, tagging packet owners and statuses.
- Re-evaluation: Routing updates automatically if a packet’s status or completeness changes after resubmission.
- Error prevention: Duplicate or misrouted packets are caught early through record-matching and rule-based filters.
This routing intelligence guarantees every packet reaches the right person, queue, and status without delay.
Cross-Team Coordination
Routing brings structure and transparency to every step of the funding process.
- Brokers: Know immediately when their packet is routed for review or returned for updates.
- Underwriters: Receive only validated and complete packets ready for analysis.
- Operations teams: Track packet flow, identify congestion points, and adjust priorities.
- Managers: Use routing analytics to forecast workloads and measure performance.
- Compliance teams: Monitor routing accuracy and confirm audit traceability.
Heron provides real-time insight into packet movement, helping teams stay aligned and efficient.
Performance and Measurable Results
- Faster funding cycles: Routing automation shortens time-to-underwrite by 50–80%.
- Reduced manual coordination: Teams save hours daily by eliminating inbox routing tasks.
- Higher throughput: The same staff handles significantly more deals per week.
- Fewer errors: Automated queue placement reduces lost or misdirected packets.
- Improved broker satisfaction: Deals progress visibly faster, boosting trust and engagement.
Routing automation directly improves operational efficiency and deal velocity at scale.
Benefits of Using Heron for Routing Funding Packets
- Speed: Real-time routing eliminates manual distribution delays.
- Accuracy: Every packet goes to the correct queue or team without guesswork.
- Scalability: Handles surges in submission volume with no impact on speed.
- Transparency: Live dashboards show exactly where each packet is in the process.
- Accountability: Every routing action is tracked and timestamped for audit clarity.
Heron transforms packet routing into a transparent, automated workflow that keeps funding moving efficiently from start to finish.
FAQs About Route for Funding Packets
How does Heron decide where to route a funding packet?
Heron uses a combination of document completeness, funding program, and merchant details to determine the right queue. Packets that meet criteria are routed automatically to underwriting or funding, while incomplete ones go back to brokers.
What happens when a packet changes after submission?
Heron continuously monitors for updates. If a new document or correction arrives, the system reevaluates routing and adjusts the packet’s destination accordingly.
Can routing rules differ by funder or program?
Yes. Each funder can define unique routing logic based on deal size, program type, or eligibility thresholds, giving flexibility without manual intervention.
How does Heron prevent packets from being routed incorrectly?
Heron validates key identifiers like merchant names, deal IDs, and broker domains to prevent duplicates or misroutes. Each routing event is logged for full traceability.
Can teams see routing analytics?
Absolutely. Managers can access dashboards showing routing times, queue load, and exceptions to identify inefficiencies and improve throughput.
