Use Cases
- Merchant Cash AdvanceGet from application to decision in < 5 minutes with ISO application scrubbing & bank statement parsing
- Lines of CreditProvide short-term lines of credit or other short-term financing based on historical revenue and expenses
- Revenue Based FinancingUse Heron to automate giving working capital loans to your e-commerce or SaaS customers
- Business Credit CardsUnderwrite with confidence and help customers manage expenses with merchant-locking
- Embedded FinanceUnderwrite with speed with a fully automated solution without a human-in-the-loop
- Traditional Term LoansProvide longer-term, secured credit products like SBA loans using our products
Products
- ISO App ScrubbingParse and classify ISO applications directly from your submissions inbox into your CRM, kick out hard declines, and auto-reply to brokers
- Parse PDF Bank StatementsExtract bank transaction and bank account details from bank statements PDFs without any delays from having a human-in-the-loop
- Bank Statement SummaryGet a holistic view of a company’s deposits, withdrawals, debt payments, NSF fees and more on a monthly basis
- Cash Based P&LSee how a company is performing on the top and bottom line over time – with aggregate and line-item level projections
- Loan Repayment PredictionPredict the likelihood that a loan will be repaid based on historical bank transactions
- Direct Plaid IntegrationConnect your customer’s bank accounts directly to Heron to get a continuous live stream of their transaction data
Developers
- API TutorialSee step-by-step instructions for interacting with our API
- API Reference DocsSee detailed information about our API endpoints
- Heron Status PageCheck the live health of all of our systems
Customer Login

Loan Repayment Prediction

We know just how much signal there is in bank data. We also know how time consuming it can be to squeeze it all out. That's why we trained a model on thousands of loan outcomes to predict a company's likelihood of repaying a loan based on their bank data.

Loan Prediction

Highly predictive

Trained on billions of dollars in originations, we can tell you which companies’ data look good and which deserve greater scrutiny in a few seconds

Next step

Loan Prediction

Easy to interpret

The Heron Score summarises cutting-edge ML and all of the different metrics we extract from bank data into one simple 0 – 1000 score

Next step

Loan Prediction

Test on your data!

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