Heron is on a mission to eliminate the underwriting tax on American businesses. When a consumer applies for credit, a spinning wheel can return an offer in seconds; when a business applies for a loan or insurance policy, humans still spend hours reading documents, verifying the business, detecting fraud, and deciding what to offer. Heron does that work in software: lenders, insurers, and credit brokers send applications in and get declines and offers out in minutes instead of days. We have underwritten roughly 1 in 8 US employer businesses in the past year. That scale allows us to go beyond what any individual could ever do: identify cross-customer signals across millions of businesses to build new data products, and ultimately become the data layer for private businesses in the US. Backed by Insight Partners and Y Combinator.