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Our solution helps Revenue Based Financing providers analyze a loan application in minutes without a human-in-the-loop

Speed up your Revenue Based Financing underwriting process by integrating your customers' accounts with open banking solutions. Produce a clear picture of outstanding debt, deposits, withdrawals, and balances and underwrite with confidence

  • 01

    Underwrite faster

    Integrate Heron directly to your customers bank accounts with an open banking solution. Go from bank transactions to meaningful data and actionable insights for each of your loan applicants in minutes

  • 02

    Lend with confidence

    Our cash-based P&L solution highlights unreconciled bank transfers indicating that you do not have a full view of all of your loan applicant’s accounts. We can also help to identify other undisclosed loans and indicators of mismanaged finances

  • 03

    Increase funding amounts

    We summarize deposits, withdrawals and balances by month in addition to highlighting any existing debt obligations including loans from other lenders. This enables you to get a better understanding of your loan applicants cash position and their overall affordability

  • 04

    Decrease chargeoffs and losses

    Use Heron’s predictive features to get a better understanding of how your loan will perform in the next 30-, 60-, or 90-days including indicators of and likelihood of default

Product Features

Achieve your lending goals

Our features work together allowing you to go from connecting your customers bank accounts to bank statement summary and ultimately, a lending decision seamlessly

Automated Data Ingestion

Heron integrates with open banking providers and removes the need for any human-in-the-loop. Connect each of your customers’ accounts directly and get back parsed bank data in seconds, both for initial underwriting and continual portfolio monitoring

Open Banking Integration

Bank Statement Summaries

Get a clear picture of the cashflows of your loan applicants instantly. We summarize deposits, withdrawals and balances by month and highlight any existing debt obligations including loans from other debt providers

Bank Statement Summary

Cash-based P&L

Turn bank transaction data into a monthly, cash-based profit and loss statement to get an understanding of how revenue and costs are moving for your loan applicant

Cash-based P&L

Company Prediction

We use our wealth of loan applicant data and loan outcomes to predict the likelihood of certain company events like incurring an NSF fee

Company Prediction

Loan Prediction

We use our wealth of loan applicant data and loan outcomes to predict the likelihood of loan repayment and loan default

Loan Prediction
Let’s work together

Want to get started with Heron?

Book a call today to trial our product and see how we can improve your underwriting speed, increase your lending amounts, and improve your loan outcomes!