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.
Active KYC / KYB / AML API
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
Best for: SMB lenders and fintechs needing transaction classification and KYB enrichment for underwriting
Not for: Teams looking for full KYC, document verification or global sanctions screening coverage
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
Lock-in Assessment
Medium 3/5
Lock-in Score 3/5
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
1,000
1001K10K100K1M
Estimated Monthly Cost
$25
Estimated Annual Cost
$300
Estimates are approximate and may not reflect current pricing. Always check the official pricing page.
Community Discussion
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