Heron Data
Heron Data offers APIs for SMB classification, underwriting and KYB enrichment, using machine learning to categorize businesses, detect risk and accelerate onboarding for lenders and fintechs.
Our Verdict
SMB underwriting and classification API for lenders; not a substitute for a full KYB/KYC stack.
Pros
- ML classification of SMB transactions for underwriting
- KYB enrichment on top of raw business records
- Built for lenders who need risk signals fast
- Reduces manual analyst work on applications
Cons
- Scope narrow: SMB lending and underwriting focus
- Not a full KYC or sanctions screening vendor
- Works best with US and UK data coverage
- Requires banking data access to shine
When to Use Heron Data
Good fit if you need
- SMB business classification API for lender underwriting
- KYB business enrichment for fintech merchant onboarding
- Cash flow analysis from bank transactions for credit risk
- Business risk scoring for BaaS platform onboarding
- Fraud signal detection from business transaction patterns
Pricing
Price wrong?Heron Data Pricing
- Pricing Model
- custom
- Free Tier
- No
- Entry Price
- —
- Enterprise Available
- No
- Transparency Score
- —
Beta — estimates may differ from actual pricing
Estimated Monthly Cost
$25
Estimated Annual Cost
$300
Estimates are approximate and may not reflect current pricing. Always check the official pricing page.
Lock-in Assessment
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