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Underwriting Appetite Checks

The out-of-appetite subs never reach your desk
Your appetite runs on every submission in the order you set. Anything outside it is referred with the reason attached, and your underwriters keep the pen.

class of business

Auto body repair

total insured value

$2.4M

appetite check

Refer

Trusted by 200+ funders, brokers, and fintechs.
Powering underwriting for MCA, revenue-based financing, term loans, lines of credit, and SBA deals.
Don’t waste time on out-of-appetite risks
The class, the limits, the location, and the loss history decide what you can write. Heron checks all on arrival, so the best risks reach an underwriter first.
Every one of these gets opened, read and typed into the CRM by hand, one at a time.
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

Every check returns in appetite, refer, or decline
In-appetite risks route straight to quoting. Referrals carry their flags. Anything outside appetite carries the reason and the evidence.
Submission
ACORD + 4 attachments
Your appetite
Class of business
pass
Primary state
pass
Total insured value
review
Loss ratio
pass
Years in business
pass
In appetite
route straight to quoting
Refer
flagged with reasons, ranked and routed
Out of appetite
reason and evidence attached
This submission: refer
Every check runs in a testing period first, flagging what it would have referred instead of blocking it. As you build trust in the calls, you promote them one at a time.
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.

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.