Cashflow Analytics
Price on what they actually owe
Every number you price on
Revenue, positions, holdback, risk flags, and how good the data behind them is. No bureau, no consortium, just the statements you already collect. Windowed so you see direction and not just level, and synced into your systems on your rules.
True revenue
Inflows minus internal transfers, refunds, chargebacks, NSF returns and financing. A transaction counts as revenue unless it can be proven otherwise, and you decide the edge cases like Zelle and Venmo.
Holdback
The share of true revenue already committed to repayments, per funder and in total. Expected and actual sit side by side, and the gap between them is its own signal.
Positions
Each funding inflow tied to the repayment going out by pattern, not by matching a name against a list. Mark one Heron missed and the correction holds on every future submission.
Risk flags
NSF days, negative balance days, direct debit reversals and debt collection. Missed payments caught the day they happen, plus repayment modifications and stop payments.
Data quality
How fresh the data is, how complete, how confident, and what share of the money moves to an account you have not seen.
Doug Christison
Chief Executive Officer, Olympus Lending
A deal priced on debt you never saw
Holdback computed on a position set with holes in it is not a number. It is a guess with a decimal point.
Who carries it
Your underwriter
They priced on three positions. There were seven. The file read clean because the other four never carried a funder name.
The merchant
They took a position they could not carry on top of four they were already paying. The default was arithmetic.
The broker
They sent it in good faith and watched it go bad. The next one goes to a funder whose read they trust more.
You, the funder
The loss lands on your book, and the post-mortem finds the debt was sitting in the statements the whole time.
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
