What Is a Return-to-Broker Email?
A return-to-broker email refers to the standardized response that informs brokers when their submission packet is incomplete or does not meet funder requirements.
In MCA and small business lending, these emails highlight issues such as missing bank statement pages, expired IDs, or eligibility rule failures.
This communication typically occurs during or immediately after scrubbing. Operators use it to maintain consistency, reduce errors, and make sure brokers know exactly what is needed to resubmit.
How Does a Return-to-Broker Email Work?
Return-to-broker emails combine automated checks with templated responses.
- Issue detection: Submissions are scrubbed, and gaps or failures are flagged (e.g., incomplete packets, out-of-date statements).
- Template selection: An email template is selected based on the type of issue.
- Message generation: The system fills in specific missing items or problems.
- Delivery: The email is sent to the broker with instructions for correction.
In Heron, return-to-broker emails are built into the workflow.
- Automated scrubbing: Bank statements, IDs, and decision emails are parsed for completeness and compliance.
- Flagging engine: Missing info, staleness, or eligibility failures trigger email generation.
- Templated messaging: Heron populates preconfigured email templates with specific items that need correction.
- Next action: Brokers receive the message and resubmit corrected documents, keeping the deal moving without manual operator intervention.
This reduces friction and keeps queues flowing smoothly.
Why Is a Return-to-Broker Email Important?
For brokers and funders, return-to-broker emails are important because unclear feedback causes delays and repeated resubmissions. Without structured communication, underwriters waste time chasing corrections or working on incomplete deals.
Heron makes this process scalable by automating the detection and messaging steps. This gives brokers clear guidance within minutes of submission, while freeing teams from drafting repetitive responses.
Common Use Cases
Return-to-broker emails are used frequently in submission intake.
- Requesting missing bank statement pages.
- Flagging expired or invalid identification.
- Asking for additional supporting documents required by policy.
- Notifying brokers that eligibility criteria were not met.
- Providing next steps for resubmission in a consistent format.
FAQs About Return-to-Broker Email
How does Heron automate return-to-broker emails?
Heron detects gaps during scrubbing, selects the right template, fills in specific missing items, and sends the email directly to the broker.
Why are return-to-broker emails valuable for MCA brokers and funders?
They cut down on delays by giving brokers clear, immediate feedback about what needs to be fixed. This reduces manual communication overhead and improves deal flow.
What outputs should teams expect from return-to-broker emails?
Teams can expect templated, consistent communication sent automatically, along with CRM logging of what was requested and when, ensuring accountability and visibility.