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Cashflow-Based Underwriting from Bank Data

Recreate a company's cashflow. Calculate key financial ratios from bank transaction data to assess applicants in seconds.

10x your underwriters

Our customers speed up cash-based underwriting by up to 50x. Let your underwriters focus on high-value loans.

Supercharge your sales team

Quickly give sales an understanding of a new prospect with minimal friction. Focus upselling to existing customers with increasing revenue.

Never miss risk flags

Use our Scorecard to identify insufficient fund fees, large ATM withdrawals or debt collection. Our customers have avoided loaning tens of millions of dollars because of us.

Know about every loan

Our highly accurate detection of debt has saved customers over $10m by flagging undisclosed loans and potential loan stackers.

Take a step towards real-time decisions

Use clean and categorized bank data as an input for risk models, portfolio management, and more.

Trusted by companies around the world

Our customers use our data to power their most important decisions and products

Daily transaction value processed
$2 billion

What our customers say

Anyone financing businesses knows that bank data is the immutable source of truth for a businesses’ financial health, it’s just really messy. Heron is best-in-class at making sense of that data. Building the tech ourselves instead of partnering with Heron would have been like hosting our own servers rather than using a Cloud provider. As soon as we tested the product, we knew it was a no brainer.

Satwik Seshasai
Satwik Seshasai
CTO, ClearCo

Working with Heron has been a hugely successful partnership for us at Torpago. We’ve been able to process applications more efficiently, reducing underwriting turnaround time by 96%, and improved our cash coverage ratio for customers by up to 10x.

I could go as far as saying that we almost wouldn’t be able to properly underwrite without Heron Data, or at the very least not do it in an effective manner. We would need to internally build a transactions tagging and aggregator tool, which would take us months and require us to hire data scientists, credit experts and developers

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.

Chief Risk Officer
US Business Lender with $50M+ loan portfolio

I built a classification system for consumer transactions at a previous company - I know how hard it is. What the Heron team have built is truly exceptional. The accuracy for business transactions is best-in-class and they have literally saved us years of Data Science and Engineering effort.

Chief Technology Officer
US Top 10 Online Lender