What Are Routing Rules?
Routing rules refer to the structured logic that determines where a submission should go next in the workflow.
In MCA and small business lending, this might mean sending high-value deals to senior underwriters, routing flagged items into exception queues, or directing lower-risk applications into fast-track programs.
These rules typically appear after intake and scrubbing. Operators use them to maintain consistent workflows and to make sure no deal sits idle or gets misplaced in the pipeline.
How Do Routing Rules Work?
Routing rules function by applying decision logic to submissions and tasks.
- Criteria definition: Funders define rules based on volume thresholds, risk categories, program eligibility, or broker relationships.
- Trigger detection: As submissions are scrubbed, fields such as balance levels, NSF counts, or appetite fit are parsed.
- Rule application: The system matches parsed results against the predefined rules.
- Routing action: Deals are placed into the correct queues, assigned to specific owners, or flagged for special workflows.
In Heron, routing rules are embedded into the automation framework.
- Automated intake: Submissions are ingested through email, portal, or API.
- Scrub outputs: Eligibility, completeness, and risk metrics are calculated.
- Routing logic: Heron applies routing rules to determine whether the deal goes to underwriting, exceptions, second look, or fast-track programs.
- Structured outputs: CRM fields are updated with both the routing decision and the deal status.
- Next action: Teams receive correctly assigned deals in their queues without extra coordination.
This automation removes bottlenecks and reduces reliance on manual sorting.
Why Is Routing Rules Important?
For brokers and funders, routing rules are important because they keep operations scalable and consistent. Without them, teams risk misrouted deals, overloaded underwriters, or delays in reviewing time-sensitive submissions.
Heron adds value by automating routing rules across high volumes of deals. This ensures that submissions flow smoothly, owners receive the right work at the right time, and decisions are made faster.
Common Use Cases
Routing rules are widely applied in deal flow management.
- Sending high-value deals to senior underwriters and smaller ones to junior teams.
- Routing flagged submissions to exception queues.
- Assigning deals by program type, such as working capital vs. equipment finance.
- Directing broker-specific submissions to designated account managers.
- Prioritizing fast-track deals with clean eligibility results.
FAQs About Routing Rules
How does Heron apply routing rules?
Heron ingests submissions, applies scrub outputs like completeness and risk flags, and matches them to routing logic that directs deals to the correct queues or owners.
Why are routing rules valuable for MCA brokers and funders?
They eliminate manual sorting, reduce delays, and make sure deals are distributed fairly and efficiently based on clear criteria.
What outputs should teams expect from routing rules?
Teams receive CRM updates that show which queue or owner a deal has been routed to, along with structured notes on the criteria that triggered the decision.