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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.

Trusted by

Rho
Settle
Forward Advances
SpenDesk
Parker
Float

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