Heron Data Alternative for MCA Funders: DueDeal vs Heron Data (2026)
Heron Data analyzes and routes the MCA application. DueDeal operates the whole deal — from submission through underwriting, contract, funding, servicing, syndication, commissions and renewal — starting at $250 a month. If your team still re-keys Heron's output into a CRM, a contract tool, an ACH processor and a servicing spreadsheet, DueDeal replaces that patchwork with one system.
The short version
- Choose DueDeal if you want one system to run the deal end to end: a 6-minute analysis, statements audited three ways with no human in the loop, exceptions resolved with evidence, and the approved offer carried straight into contract, funding and servicing.
- Choose Heron Data if you only want to automate intake and application analysis, and you are happy running contracts, funding, servicing, syndication and commissions in other tools.
DueDeal vs Heron Data at a glance
| Heron Data | DueDeal | |
|---|---|---|
| Pricing | Not published | From $250 a month for the whole workflow |
| Speed | N/A | 6 minutes per submission |
| Setup time | N/A | 6 weeks, including your credit policy |
| Accuracy method | N/A | 3-way audit on every statement: transactions tie to statement totals, balances carry across months, grand totals reconcile |
| Human review needed | No human in the loop | |
| Document types | ISO applications, bank statements | Bank and credit card statements, applications, IDs, tax returns, P&Ls, balance sheets, personal financial statements, K-1s, credit reports |
| True revenue | Bank statement scrubbing | True revenue per month, with transfers, MCA fundings, owner infusions, reversals and returned deposits netted out and shown by category |
| Positions and stacking | N/A | Every detected position linked to the exact debits and credits behind it; funder's stacking limits enforced |
| Fraud and verification | Fraud checks | Statement tampering and balance mismatch flags; DecisionLogic and Plaid data checked against the uploaded documents; soft credit pull; Secretary of State and court record searches |
| Credit policy and offers | Credit policy decisioning, lender matching, automated submissions | Your policy applied on every deal; priced offer matrix (program, term, factor, commission, payback, fees); lender matching and submission |
| Exception and stip resolution | N/A | Exceptions become gates with evidence attached, claimed and decided from a queue; missing statement months flagged automatically |
| Audit trail | N/A | Every decision stores who made it and a frozen snapshot of the evidence |
| Contracts and e-signature | N/A | Contract packages sent through DocuSign, Adobe Sign, RightSignature or OpenSign |
| Funding and ACH | N/A | ACH collections through Actum with Plaid enrollment |
| Syndication | N/A | Participants and distributions on every advance |
| ISO commissions | N/A | Commission plans and payouts |
| Servicing and collections | N/A | Payment schedules, returned payments, balance transfers, amendments, portfolio reviews |
| Renewals | N/A | Renewal eligibility tracked on every advance; renewal deal created from the original in one click |
| Portals | N/A | Broker, ISO, syndication partner, borrower and legal portals |
| Works with | Salesforce, HubSpot, LendSaaS, Zoho | CRM: Salesforce, HubSpot, Zoho, Pipedrive · LOS: Downhome · Bank data: DecisionLogic, Plaid · Credit: Soft Pull Solutions · Funders and marketplaces: Credibly, Lendr, LoanSifter · E-signature: DocuSign, Adobe Sign, RightSignature, OpenSign · Payments: Actum · Accounting: QuickBooks · Email: Gmail, Outlook · Phone: Kixie, RingCentral · Automation: Zapier, public API |
Different layers of the MCA stack
Every MCA operation has three layers:
- The analysis layer reads the application. Heron Data lives here: intake, bank statement scrubbing, fraud checks, decisioning and submissions.
- The CRM stores the opportunity. Salesforce, HubSpot or Zoho holds the record of what happened.
- The operating layer gets the deal done. Somebody has to check the evidence behind every flag, apply the funder's policy, approve the exception, price the offer, send the contract, fund the advance, collect the payments, pay the syndicators and the ISO, and decide on the renewal.
Heron analyzes the application. The CRM stores the opportunity. DueDeal operates the deal. DueDeal does its own analysis too — so the funder gets the first layer and the third in one system, connected to whichever CRM it already runs.
Why funders choose DueDeal
1. Accuracy without a review queue
DueDeal audits every bank statement three ways before a number reaches an underwriter:
- Transactions tie to the statement. Every credit and debit is summed and matched to the statement's own totals.
- Balances carry across months. Each month's ending balance must match the next month's beginning balance, so a missing page or a doctored month cannot hide.
- Grand totals reconcile. Totals across the full statement set are rebuilt from the transactions and matched.
A statement that fails any check is flagged with the exact discrepancy. No human sits in the loop, which is how DueDeal returns a fully analyzed submission in 6 minutes.
2. Resolution, not detection
A flag is where the work starts. "Two existing positions detected" still leaves someone to confirm the positions, apply the stacking policy and make a call.
In DueDeal every detected position is linked to the transactions behind it, the funder's policy is applied automatically, and anything outside policy becomes a gate. The gate is claimed and decided from a queue, and the decision is saved with a frozen snapshot of the evidence and the name of the person who made it. Credit committee, auditors and investors get the answer to "why did we fund this?" in one place.
3. One record from submission to renewal
When analysis lives in one vendor and servicing in another, the numbers get re-keyed at every handoff. In DueDeal they never leave the deal:
- The approved offer becomes the contract package, sent for e-signature.
- The signed contract becomes the advance, the ACH schedule and the syndication split.
- Payments, returns, balance transfers and amendments update that same advance.
- ISO commissions are calculated from what actually funded.
- Renewal eligibility is tracked on the advance, and the renewal deal starts from the original file.
4. One price for the whole operation
DueDeal starts at $250 a month and covers the full workflow — intake, analysis, underwriting, offers, contracts, funding, servicing, syndication, commissions and renewals. Heron Data does not publish pricing, and LendSaaS notes that Heron prices its service separately from the CRM it plugs into.
Choose Heron Data if
- You only need intake and application analysis, and your contracts, funding, servicing, syndication and commissions already run well in other systems.
- Your team runs on LendSaaS and wants analysis delivered inside it.
Before you sign, ask both vendors
- What does the price include, and what do we still pay other vendors for?
- How do you prove a statement was read correctly, and does that proof need a human?
- When a deal is flagged, what happens next — and who records the decision?
- What happens to the approved offer: who builds the contract and sets up funding?
- Where do syndication splits, ISO commissions and renewals live?
- How long from signed agreement to our first live deal?
Try it on 20 deals
Keep your CRM and your current analysis provider running. Send DueDeal 20 live submissions alongside them. Together we measure what still takes manual work between submission, underwriting, funding and servicing: touches per deal, time to decision, time to funding, exceptions and missing documents. You decide on the numbers.
Book a demo to start the pilot.
Frequently asked questions
What is the best Heron Data alternative for MCA funders? DueDeal is the Heron Data alternative for funders who want one system beyond analysis. DueDeal analyzes the submission in 6 minutes, then runs exceptions, offers, contracts, ACH funding, servicing, syndication, ISO commissions and renewals, from $250 a month.
How much does Heron Data cost? Heron Data does not publish pricing. LendSaaS states that Heron provides pricing for its service separately. DueDeal starts at $250 a month for the full workflow.
Does Heron Data handle contracts, funding and servicing? Heron Data's website describes intake, bank statement scrubbing, fraud checks, decisioning, lender matching and submissions. Contracts, ACH funding, servicing, syndication and commissions are not listed. DueDeal includes all of them.
How accurate is DueDeal's bank statement analysis? DueDeal audits every statement three ways: transactions tie to statement totals, balances carry correctly from month to month, and grand totals reconcile. Any mismatch is flagged with the exact discrepancy, with no human review needed.
Does DueDeal work with Salesforce? Yes. DueDeal integrates with Salesforce, HubSpot, Zoho and Pipedrive, so funders keep their CRM while DueDeal runs the deal.
How long does it take to switch to DueDeal? DueDeal setup takes 6 weeks, including encoding the funder's credit policy. Most funders run a 20-deal parallel pilot first.
Sources
Competitor information checked September 2026.
- Heron Data capabilities and integrations: herondata.io
- Heron pricing provided separately: lendsaas.com/api-integrations