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Background Checks

Run the check before the offer
Screen the owner and business across premium nationwide public-records sources.

Criminal — financial

No records

Liens & judgments

2 · $180k

Sanctions / OFAC

No match

Trusted by 200+ funders, brokers, and fintechs.
Powering underwriting for MCA, revenue-based financing, term loans, lines of credit, and SBA deals.
The last check before funding still runs too late
A manual report costs enough time that nobody runs it early. So it lands after cashflow, after pricing, and after the broker has gone back to their client.
40 pages
read by hand, every deal
10–15 min
per report, on deals you’ll never fund
Every one of these was read by hand. Five were never going to fund.
~1 IN 5 DEALS THAT CLEARED CASHFLOW DIES HERE
From application to decision, automatically
Both subjects come off the application automatically, then Heron scores every record against the policies you set. You decide what kills a deal and what a human should see.
FUNDING APPLICATION
PDF · 6 pages
OWNER
Jamie Parker
BUSINESS
Cattail Auto Body LLC
Criminal
owner + business
Pass
Bankruptcies
owner + business
Pass
Liens & judgments
owner + business
Fail · 2 found
Secretary of State
owner + business
Review · officer
UCC filings
owner + business
Pass
Sanctions / OFAC
owner + business
Pass
4
pass
1
review
1
fail

Every record, made readable

Deduplicated across reports, linked to current status, scanned against your MCA rules, and structured into pass or fail. No portals, and nobody copying a name between screens.
Make the check a strength, not a bottleneck
A pulled offer is not just a process problem. It is a phone call the broker has to make to a merchant who was already told yes.
WHO FEELS IT
A grower watering plants in a greenhouse

The broker

They sold the deal. A reversal lands on them, in front of a client they have to keep.

The merchant

They were told the money was coming and made decisions on it. That call is the one nobody wants to make.

Your underwriter

They spent fifteen minutes on a report for a deal that was never going to fund, and now they are unwinding it.

You, the funder

The broker remembers who made them look bad. Their next deal goes somewhere else first, and you never learn you were passed over.

95%

of offers stick when the check runs first

<5 min

to a soft offer, check run up front

97% / 85%

owner and business, matched for you

One vendor

instead of four, with no multi-year contract

The file only tells you half of it
Bank statements and an application tell you what moved through the account and what somebody typed. They don't tell you whether the business is real, who stands behind it, or what else is happening around it. Heron runs both halves from the same intake, before anyone opens the file.
What the file shows you

Application fields

State, time in business, revenue and entity type, lifted off the form itself.

Bank statements

True revenue, existing positions, NSFs and balances, read line by line.

What it does not

SOS filings

Whether the entity is real, active, and registered where it claims to be.

TIN / EIN validation

The tax ID and the legal name belong to the same business.

Court records

Judgments, liens and open cases against the owner and the business.

DataMerch

What other funders already found out about this merchant the hard way.

Web presence

Evidence the business exists somewhere other than its own paperwork.

Industry

The NAICS code taken off the transactions rather than off what was typed.

Nobody sees more of small business finance

Purpose-built AI and trained LLMs, tuned on the submissions that come through Heron every day, built for the people who have to make a real call on a real business.

60K

submissions analyzed daily

15%

of US businesses seeking capital

3x

more volume per underwriter

Case study
Good Funding cuts decision time by 97%
Watch the story · 3 min
30%
QoQ growth in originations
36%
more funded $ per submission
97%
faster decisions. Median time to decision fell from 472 minutes to 15.
“It was taking us, this is a thousand minutes, which is an obscene amount of time for us to get an approval out.”
Ben Gold
CEO, Good Funding

Deals are won and lost in minutes.
Don’t waste another one.