Cashflow-Based Underwriting From Bank Data
Recreate a P&L statement to assess applicants in minutes. Lend with confidence.
Supercharge your underwriters
Let your underwriters focus on the edge cases. Automate the rest and write more business.
Faster lending decisions
Use our data to screen out or prioritize applications automatically
Bigger addressable market
Every company has bank data. Don't be restricted to Amazon, Stripe or Shopify integrations.
Increase lending confidence
Ensure other datapoints are reflected in applicants' bank accounts. Reduce fraud.
Take a step towards real-time decisions
Use clean and categorized bank data as an input for risk models, portfolio management, and more.
Since we started using Heron, our underwriters can re-construct an applicant's financials from bank data in minutes. It's transformed how much we can rely on bank data in underwriting.— CRO, US Business Lender with $50M+ loan portfolio
I used to label each individual transaction by hand, now I just review Heron Data's output.— Underwriter, US Revenue-Based Lender