What Is an Exception Queue?
An exception queue refers to a structured list or holding area where submissions with issues, anomalies, or low-confidence results are sent.
In MCA and small business lending, this queue ensures that deals with missing documents, identity mismatches, or risk signals are reviewed before advancing further in the pipeline.
This queue typically appears in scrubbing and intake workflows. Operators use it to prioritize manual work by focusing only on flagged cases while letting clean submissions proceed automatically.
How Does an Exception Queue Work?
Exception queue management combines automated routing with targeted manual oversight.
- Flag generation: Submissions are flagged for reasons such as missing documents, mismatches, or low confidence scores.
- Queue placement: These flagged submissions are routed into a designated exception queue.
- Manual review: Reviewers validate, correct, or request more information as needed.
- Resolution and continuation: Once cleared, submissions rejoin the flow and proceed toward underwriting.
In Heron, exception queues are embedded into the automation framework.
- Automated intake: Submissions are ingested through email, portal, or API.
- Scrubbing checks: Heron applies completeness, fraud, and policy validations.
- Queue routing: Items that fail checks are routed automatically to the exception queue.
- Structured outputs: Queue details are written into the CRM, showing why an item was flagged.
- Next action: Reviewers address flagged issues, and clean results are updated in the CRM for underwriting.
This approach prevents exceptions from blocking the entire workflow.
Why Is an Exception Queue Important?
For brokers and funders, exception queues are important because they preserve operational speed while maintaining accuracy. Without a queue, flagged submissions could either hold up all deals or slip through without review.
Heron makes exception queues more valuable by automating flagging and routing. This reduces backlog, improves consistency, and allows underwriters to focus only on submissions that truly need attention.
Common Use Cases
Exception queues are applied in daily submission handling.
- Routing incomplete packets that are missing documents or pages.
- Escalating cases with identity mismatches or tampered statements.
- Holding submissions with low-confidence results until reviewed.
- Writing exception details into CRM fields for full visibility.
- Triggering missing-info emails directly from the exception queue status.
FAQs About Exception Queue
How does Heron create and manage exception queues?
Heron automatically routes flagged submissions into exception queues, logs the reason in CRM fields, and provides a structured workflow for resolution.
Why are exception queues useful for MCA brokers and funders?
They allow automation to run at scale while protecting accuracy. Exceptions are handled separately without slowing down clean submissions.
What outputs should teams expect from exception queue management?
Teams receive structured CRM fields showing the flag reason, resolution status, and queue volume, giving full visibility into exception handling.