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
- Customers
- 65+
- Daily transaction value processed
- $2 billion
- Countries
- 12
What our customers say
“I use Heron's API every day. It’s 100x faster and easier than messing around with Excel or writing in-house rules. Heron has helped us lend with confidence. The team could not have made the integration easier - it's hard to remember life before.
“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.
“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.