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![Johannes Jaeckle](https://ph-avatars.imgix.net/1016008/original.jpeg?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop&frame=1)
The Heron Score is an SMB credit risk model based on bank transactions predicting the likelihood that the company will pay back its debt with 0.74 AUC.
![Heron Data: Cashflow Scoring for SMBs](https://ph-files.imgix.net/4ecec140-1483-4da2-964a-115bf3b1c617.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop&frame=1)
Heron Data: Cashflow Scoring for SMBs
Predict business credit risk using bank data
![Johannes Jaeckle](https://ph-avatars.imgix.net/1016008/original.jpeg?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop&frame=1)
Calculate 120+ spreads in under a minute with just three months of bank statements or a Plaid connection. Stop spreading manually and improve time-per-file from ~15 minutes to 1 minute with Heron Data.
![Heron Data: Company Reports](https://ph-files.imgix.net/a32638df-27c4-4c95-9490-5107af82f91a.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop&frame=1)
Heron Data: Company Reports
Underwrite an SMB in one minute with three bank statements
![Johannes Jaeckle](https://ph-avatars.imgix.net/1016008/original.jpeg?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=48&h=48&fit=crop&frame=1)