Heron

Heron is the underwriting automation platform for small business finance. Every loan, advance, and policy a small business applies for is still underwritten by hand. A consumer gets a credit decision in seconds. A small business waits while someone reads bank statements, verifies the business, screens for fraud, and decides what to offer. That manual work is a tax, paid in higher rates, slower decisions, and products that never get built. Heron does that work in software. Applications arrive by email, API, or portal. Heron reads and verifies bank statements and applications, categorizes every transaction, runs background checks, models cashflow, screens for fraud, and applies the funder's own credit policies. Decision-ready deals land in the systems funders already use, in minutes instead of days. We analyze 60K submissions a day, covering 15% of US businesses seeking capital, for 200+ funders, brokers, and fintechs. Every deal we read adds to a view of American small business that no one else has, and we are building toward the trust layer for SMB finance. Heron is based in New York and London and backed by Insight Partners and Y Combinator.