Background Checks
Run the check before the offer
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.
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
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
tells you only half
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.
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.
submissions analyzed daily
of US businesses seeking capital
more volume per underwriter
Case study
