What Is a Missing-Doc Template?
A missing-doc template refers to standardized text that lists specific missing documents or details in a clear, repeatable format.
In MCA and small business lending, this often includes requests for items like additional bank statement pages, updated IDs, or recent financial documents.
These templates are typically applied during scrubbing and intake workflows. Operators use them to reduce manual effort and to maintain consistent language across teams when reaching out for missing submission components.
How Does a Missing-Doc Template Work?
Missing-doc templates combine automated detection with structured communication.
- Gap detection: Submissions are scrubbed, and missing pages, expired IDs, or incomplete forms are flagged.
- Template selection: A prebuilt email template is matched to the issue type.
- Dynamic filling: Specific missing items are auto-inserted into the template.
- Delivery: The message is sent back to the broker or ISO requesting corrections.
In Heron, missing-doc templates are integrated directly into the scrubbing workflow.
- Automated scrubbing: Submissions are parsed for completeness.
- Flagging engine: Detected gaps trigger the correct template automatically.
- Message creation: Heron fills the template with details such as “Bank Statement: Page 3 missing” or “ID expired.”
- Next action: The email is sent to the broker, and the submission is held until the updated packet arrives.
This ensures clarity and reduces delays caused by unclear communication.
Why Is a Missing-Doc Template Important?
For brokers and funders, missing-doc templates are important because manual drafting of emails is slow and inconsistent. Without them, operators may phrase requests differently, causing confusion or repeat errors.
Heron makes templates powerful by automating both detection and communication. This improves turnaround time, reduces manual overhead, and gives brokers precise guidance on what is needed to move deals forward.
Common Use Cases
Missing-doc templates are used in daily intake and exception handling.
- Requesting missing bank statement pages flagged during scrubbing.
- Asking for updated IDs when an expired one is detected.
- Notifying brokers of missing application forms or signatures.
- Standardizing missing-info requests across different operators.
- Triggering automatic return-to-broker emails with clear instructions.
FAQs About Missing-Doc Template
How does Heron automate missing-doc templates?
Heron identifies missing items during scrubbing, selects the right template, and automatically fills it with the specific details before sending the message to the broker.
Why are missing-doc templates valuable in MCA workflows?
They save time, reduce confusion, and ensure that brokers always receive consistent, clear instructions for correcting incomplete submissions.
What outputs should teams expect from missing-doc templates?
Teams receive automated, standardized communication sent to brokers, along with CRM logging of the missing items requested and the time of the request.