What Are Kickouts?
Kickouts are system-generated messages that stop deals from moving through the underwriting process when they fail basic checks.
In MCA and small business lending, common kickout reasons include missing documents, out-of-appetite industries, or not meeting minimum revenue requirements.
Kickouts typically appear during intake or scrubbing, when submissions are reviewed against completeness rules and policy criteria. Operators use them to quickly communicate to brokers or ISOs why a deal was declined or what extra documents are required.
How Does Kickouts Work?
Kickouts work by combining automated checks with clear messaging.
- Submission review: A packet is checked for completeness, accuracy, and policy fit.
- Kickout trigger: If the packet fails, the system generates a rejection or request message.
- Communication: The broker or ISO receives a notification explaining the issue.
- Next step: The deal is either closed or updated once the missing information is supplied.
Heron automates kickouts as part of its workflow.
- Automated detection: Heron flags incomplete packets, missing documents, or submissions that fail appetite checks.
- Message creation: A templated “not eligible” or “need more info” response is generated automatically.
- CRM update: The kickout status is written into the CRM so that deal history remains accurate.
- Action routing: Kickouts either close the deal or prompt a missing-info request to fix the submission.
This makes sure brokers receive fast, consistent answers with no manual email drafting.
Why Are Kickouts Important?
For brokers and funders, kickouts are important because they reduce wasted underwriting time. Without them, underwriters might spend hours reviewing deals that were never eligible or chase down missing documents manually.
Automating kickouts speeds up communication, improves accuracy, and helps brokers understand exactly why a deal was stopped. This clarity strengthens relationships while improving turnaround time for deals that do qualify.
Common Use Cases
Kickouts are used daily in MCA submission workflows.
- Sending a “not eligible” response when revenue falls below required levels.
- Triggering a kickout when bank statement pages are missing.
- Flagging applications from restricted industries.
- Closing deals automatically when they fail appetite screening.
- Providing brokers with a clear “need more info” message for missing documents.
FAQs About Kickouts
How does Heron automate kickouts?
Heron checks submissions against policy and completeness rules. If a deal fails, it generates a kickout email automatically, updates the CRM, and routes the deal to the correct status.
What outputs should teams expect from kickouts?
Teams see structured CRM entries showing why a deal was kicked out and whether it was closed or pending additional documents. Brokers receive templated responses with clear instructions.
How do kickouts improve efficiency for brokers and funders?
Kickouts prevent underwriters from working on ineligible deals and give brokers immediate feedback. This reduces manual back-and-forth and keeps the pipeline focused on fundable opportunities.