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Credit Policy Decisioning

Dead deals never reach your desk
Your checks run on every submission, in the order you set. Anything that fails is flagged with the reason, while your underwriters stay in control of the final decision.

Every submission

1,240

Auto-declined on policy

40% routed

Reaches your desk

The rest

Trusted by 200+ funders, brokers, and fintechs.
Powering underwriting for MCA, revenue-based financing, term loans, lines of credit, and SBA deals.
Every no costs as much as a yes
Underwriting cost is close to fixed per file, so the deal you decline costs about what the deal you fund costs. Every dead file is billed twice: once to look at it, and again in the deal you did not work instead.
You funded it
The read paid for itself.
You declined it
Same read, same hours, nothing back.
Every one of these was read end to end. The ones that came back a no took the same hours as the ones that funded.
Every check returns pass, review, or decline
Pass routes to underwriting, review required carries its flags, and fail carries the reason and the evidence. When a check cannot be evaluated it routes to review, never to pass.
SUBMISSION
ISO app + 6 statements
YOUR POLICY
Restricted state
pass
Time in business
pass
Stacking
review
Average daily balance
pass
Bank verification
pass
Pass
route to underwriting or straight to offer
Review required
flagged with reasons, ranked and routed
Fail
declined, reason and evidence attached
THIS DEAL: REVIEW REQUIRED
Every check runs in a testing period first, flagging what it would have declined instead of killing it. As you build trust in the calls, you promote them to auto-decline one at a time.
Every decline links to the record it came from
Every check result stores the value it tested, the document it came from, the section, and the rows. Open the decline reason and you land on the transaction that caused it.
STATEMENT 2 OF 6 · PAGE 4
COLLECTION SVC ACH DEBIT
−1,240.00
DECLINE REASON
Debt collection activity
3 debits, 90 days · row 118
“

Heron is quite easily number one in importance for our tech stack. Realistically, you are not going to be able to put together an educated view of someone's account if you're only doing open banking-based underwriting.

Heron customer

Decisions straight to where you already work
The call lands in the CRM your team already runs. Nobody opens a dashboard to find out what happened.

No rip and replace

Heron writes into the CRM you already run. Your system of record does not change, and nobody migrates anything.

A Heron engineer does the wiring

Our forward deployed engineers set up the connection and map the fields. Nobody on your side writes code.

Status and reason, written back

The call lands on the deal with a stage lock, so Heron never rewinds one a human already moved forward.
status + reason
status + reason
status + reason
status + reason
Everything between the submission and the offer
Purpose-built AI trained on more small business finance than anyone else sees — built for the people making real decisions on real businesses. One intake powers six products, all configured to your policies. Turn the next one on when you need it. No new system, no new login, no re-implementation.

ISO Application Scrubbing

Every sub read and classified on arrival, with the fields your kick-outs run on lifted straight off the form: state, time in business, revenue, entity type.

Industry Prediction

The NAICS code taken off the transactions rather than the application, and checked against your own restricted list.

Background Checks

SOS filings, TIN/EIN validation, court records and web presence, run on the owner and the business together, with the verdict decided by your policies rather than ours.

Fraud Detection

Doctored statements and coordinated patterns caught across applicants, not just on the file in front of you.

Cashflow Analytics

Bank statement analysis that reads real repayment capacity, with every position tracked from funded to paid off.

Credit Policy Decisioning

Your rules on every deal, the reason attached, and the outcome synced straight into your CRM.

Nobody sees more of small business finance

Heron automates the hardest parts of small business underwriting based on patterns from analyzing a double-digit share of American businesses every year. You get speed, accuracy, and scale that scrubbers, BPOs, and DIY workflows can’t touch.

15%
of US businesses seeking capital
60K
submissions analyzed daily
3x
more volume per underwriter

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