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Email Submission Clearance

Underwriter-ready, the moment it lands
Every submission, supplemental, and loss run read on arrival, checked against your appetite, and synced to your PAS. Accuracy first, speed close behind.

total insured value

$2.4M

requested limits

1M / 2M

claims, 3 years

2

Trusted by 200+ funders, brokers, and fintechs.
Powering underwriting for MCA, revenue-based financing, term loans, lines of credit, and SBA deals.
The first accurate quote wins
A submission sits in the inbox while it gets keyed, checked, and re-keyed. By the time the quote goes out, a faster market has already answered.

Keying kills the clock

Submissions, supplementals and loss runs retyped into the PAS before an underwriter can even look.

Appetite checked too late

Out-of-appetite submissions get worked for hours before anyone declines them.

Volume outpaces staffing

Submission counts grow faster than underwriting teams. The overflow queues, then leaks to faster markets.
Forward the email. That’s the integration.
No new portal for your team, and nothing changes for the brokers and agents sending you submissions.
WHAT ARRIVES
From
broker@brokerage.example
Subject
New submission — Cattail Auto Body LLC
Attached for Cattail Auto Body. GL and property, effective 4/1. Five years of loss runs and the SOV are in there.
4 ATTACHMENTS
ACORD_125.pdf
ACORD_126_GL.pdf
Loss runs 2022-2026.pdf
SOV_cattail.xlsx
WHAT HERON RETURNS
ACORD 125
Named insured matched
Verified
ACORD 126
General liability · signed
Verified
Statement of values
12 locations
Verified
Loss runs
2022-2026 · 5 years · parsed
Verified
Effective date
04.01.2027
Expiry date
04.01.2028
Total insured value
$12.4M
Locations
12
GL occurrence limit
$1M
Prior claims
4
Class code
50435
Primary state
TX
“

We wanted to remove the repetitive, manual tasks from our underwriting process so our underwriters could spend more time doing what they do best – underwriting risks rather than entering data.

Rachel Oldroyd

Operations Director, NBS

Take in any broker’s format
Heron reads the submission in whatever form it lands, from a software-house export to an ACORD to a scanned supplemental, and returns structured, underwriter-ready risk data. Your underwriters stop keying and start pricing, and the broker gets an answer back sooner.
A tailor writing measurements in a workshop

Any format

ACORD, spreadsheet, scan or software-house export. Whatever the broker already has is what Heron takes.

No new software

Nothing new to log into on either side. The broker keeps sending email, and your underwriter keeps working in the system they already use.

Quoted sooner

Underwriters spend the time pricing risk instead of entering data, so the broker hears back while the risk is still live.

No filing cabinet necessary
A submission lands as a stack of files with names that mean nothing. Heron tells an ACORD from a loss run from an SOV, splits combined PDFs, and files each one where your team expects it.
One file, three documents
An ACORD, a supplemental and a loss run arriving in a single PDF split into three records, each read on its own terms.
You set the list
The document types match how your team already files. Anything Heron cannot place comes back as unclassified, never as a guess.
Corrections stick
Change a file’s type in the dashboard and it re-reads on the spot. Heron learns the correction for the next submission.
Vertical ticker · 3 columns · middle scrolls the other way
Everything between the submission and the quote
Purpose-built AI, tuned for the ACORDs, loss runs and SOVs this work runs on, and built for the people who have to make a real call on a real business. Every document classified and read, the risk checked against your appetite, the fields written into your PAS. One path end to end, and you can start anywhere on it.

Email Submission Clearance

ACORDs, supplementals, loss runs and SOVs read and structured the moment the email lands.

Underwriting Appetite Checks

Every risk checked against your appetite before it reaches an underwriter, with the reason attached.

PAS Syncs

Structured, reconciled fields written straight into the policy admin system you already run.

Nobody sees more of small business finance

Purpose-built AI and trained LLMs, tuned on the submissions that come through Heron every day, built for the people who have to make a real call on a real business.

60K

submissions analyzed daily

15%

of US businesses seeking capital

3x

more volume per underwriter

Quote faster. Bind more. Grow the book.
Heron mark rendered as a field of coloured blocks

~50% less underwriting time

No double-keying, less cross-referencing. £8–10M projected premium increase over the first 12 months once all lines run through Heron.

Rachel Oldroyd

Operations Director, NBS

Quotes turned around 12 hours faster than competitors

100 human hours saved per week

Quote more of the risks that fit your appetite.