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"areaServed": "US",
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"description": "Automated background checks that screen the business owner and the business against public-records data before the offer, turning a manual report review into clean pass / review / decline signals that run inside the underwriting workflow."
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"description": "Run owner & business background checks before the offer. Heron turns a 40-page report into clean pass / review / decline signals in minutes."
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Background Checks
Get a soft offer out in 5 minutes — that holds up 95% of the time.
You can't do that if the background check runs by hand after the offer. Heron runs the owner + business check automatically before the soft offer, turns the manual report into clean pass / review / decline signals, and only flags the deals that need a human.
Every finding links back to its source record and search trail.
200+funders, brokers & insurers
<5 minto a soft offer, check run up front
98%owner match from your app data
SOC 2independent & enterprise-grade
Trusted by 200+ leading funders, brokers and insurers to automate their critical workflows.
The problem
The last check before funding is still done by hand — and it runs too late.
Most funders pull a 40-page report and read it deal by deal, hunting for what matters. Because it's slow and costly, the check happens after the broker has already sold the offer — so when a felony or a $250k judgment surfaces, you're clawing back an offer that was on the table and burning the broker who sent it.
40 pagesto read by hand on every approved deal, just to find the one line that matters
~1 in 5deals that pass cashflow checks still get killed at the background stage
10–15 minper report — an underwriter's time spent on deals that were always going to die
How it works
From application to decision — automatically
The whole check runs the moment a deal clears your cashflow policy. No new tool, no new login.
1
Search & match
Finds the right owner and business from the application you already send us, with a transparent search trail.
→
2
Analyse
Raw public records become clean, deduplicated signals across owner and business.
→
3
Apply your policy
Your own rules run against the signals, every result linked to its evidence.
Pass — auto-approveReview — send to an underwriterDecline — before the offer
Kill only the black-and-white; flag the gray for a human. You set the rules — decline on a non-dismissed felony, a judgment over $250k, an MCA lien, or an unreported officer.
Why Heron
Make the check a strength, not a bottleneck
Offers that hold up
Run the check before the offer — so 95% of your offers stick
The soft offer only holds up if the background check happens first. Run it automatically before the offer and you stop sending offers that later get pulled on background — the core of a 5-minute offer that holds up 95% of the time.
Cashflow policy passedauto
Background check running48s
Offer sent — holds up✓
Speed
Before the offer, without slowing it down
Funders who check pre-offer today do it by hand — so the offer waits. Heron clears the check in the background in under a minute; anything that passes your policy needs no human review, so the offer still goes out in minutes.
<1 min
automated, vs. 10–15 minutes reading a report by hand
By hand10–15 min
With Heron<1 min
Broker relationships
Never take back an offer a broker already sold
Around 1 in 5 deals that pass cashflow are killed at the background stage. Catch those before the offer — not after the broker has sold it to the merchant — and you protect the broker relationships that send you the next deal.
Late check → offer clawed backby hand
Heron: declined before the offer✓
Broker sends the next deal✓
More than a raw pull
A synthesized read on owner and business — for less
Not a raw multi-page report to wade through: clean signals across criminal, liens, judgments, bankruptcies, UCC, lawsuits and sanctions, deduplicated and sourced for both the owner and the company. One vendor instead of four, with a cost-based waterfall that runs the cheapest checks first — so spend doesn't skyrocket, and there's no multi-year contract to negotiate.
Criminal — financialClear
Liens & judgments2 · $180k
Unreported officerHeron signal
Sanctions / OFACNo match
What you get
Everything the check delivers, in one automated run
Owner and business, screened, synthesized, and decisioned — alongside the rest of your Heron workflow.
Owner + business in one check
Screen the applicant and the entity in a single automated run — no two separate lookups.
Signals, not a 40-page PDF
Criminal, liens, judgments, bankruptcies, UCC, lawsuits and sanctions — deduplicated and sourced.
Your policy, automated
Pass / review / decline on your own rules, with every result linked to its evidence.
Heron signals
Unreported officers and relative-risk flags surfaced beyond what the raw report says.
The right subject, every time
Triangulates SSN, DOB, name and address — with a clickable search trail showing exactly why it matched. Finds records a manual search misses.
API & CRM sync
Outcomes flow into Salesforce, your CRM, or the Heron dashboard — no re-keying.
The difference
Same data. A completely different workflow.
Heron regularly surfaces records an underwriter's own search misses — and moves the whole check ahead of the offer.
What matters
With Heron
By hand today
Time per deal
✓Clean signals in under a minute
✗10–15 minutes reading a report
When it runs
✓Before the offer, automatically
✗After the offer is already out
Broker impact
✓Offers that stick
✗Clawed-back offers, eroded trust
Output
✓Synthesized owner + business signals
✗Raw 40-page PDF to read
Finding the right subject
✓Triangulated match + search trail
✗Wrong-person matches; records missed on a second report
Cost
✓A fraction of a manual report, at scale
✗Full per-report price + underwriter time
Contract
✓No multi-year contract to negotiate
✗Locked into a vendor contract, often paying twice
Workflow
✓In your flow, synced to your CRM
✗A separate tool and login
~90%
of manual declines caught automatically in design-partner testing
<5 min
to a soft offer, with the check run up front instead of at the end
97%
owner match — we find the subject a manual search can miss
See what a background check surfaces on your own deals
Book a 15-minute walkthrough and watch a live owner + business check run inside an underwriting workflow.