Illuminate Your Path To Stronger Decisions

Lumos helps you grow and diversify your small business loan portfolio with innovative data analytics and advisory services.

Insights to supercharge your financial institution

Our cloud-based, customizable platform unearths rich insights from your untapped reservoir of data, enriched with curated external sources. Elevate your risk analysis and strategic decisions with Lumos!

Reveal Actionable Insights Within Your Underleveraged Data

We combine SBA lending data, credit trends, and your business’s previously untapped raw data into powerful models and reliable metrics.

Strengthen your SBA portfolio and streamline your credit decisioning. Our predictive modeling and risk assessment platform builds confidence in your lending.

Comprehensive Solutions

We provide a platform that seamlessly integrates into every stage of the loan life cycle, our solutions are designed to unlock new opportunities, enhance risk assessment capabilities, and drive operational efficiencies.

Automated Intelligence to Increase Approvals & Minimize Risk

Lumos AI solutions leverage cutting edge machine learning models and generative AI to boost loan growth, assess credit risk and enhance operational efficiency. Spanning from prescreening, credit decisioning through ongoing portfolio monitoring we provide an all-in-one AI solution. Our models are explainable and regulatory-ready, so you can confidently diversify your portfolio.

Predictive Models & AI

Insights to Safely & Soundly Grow your SBA Loan Portfolio

Lumos Portal is your centralized hub for Small Business and Franchise lending Insights. Access proprietary data on over 2 million SBA loans to 1.2 million businesses, including robust loss data. Get key metrics like probability of defaults, loss given defaults, expected loss, and prepay rates. Explore segmented analyses by geography, industry, loan characteristics, and more for precise decision-making.

Insights

Tailored Lending and Data Services for Business Growth

We recognizes that not every institution has the time or resources to devote to analyzing data internally, that is where Lumos comes in. Our advisory services provide tailored solutions to reveal valuable insights buried within a wealth of raw data spread across disparate systems. We champion the people behind the data — so your business can achieve sustainable growth.

Get Expert Advice

Dependable Financial Literacy and Data Solutions

As your partner, Lumos yields actionable insights to help you reach your business goals, so you can focus on what you do best.

SBA Lending Expertise

Expand your portfolio and confidently provide capital to historically underserved small businesses. We empower you to overcome the unique challenges of SBA lending safely and soundly.

Industry-Disrupting Analytics

Make better strategic decisions with SBA-specific predictive models backed by relevant data. Our advanced analytics and visualizations help you turn abstract metrics into clear insights.

Data Compliance and Best Practices

Optimize your data and correct any bias while leveraging advanced analytical techniques. Our 50-point Model Risk Management checklist and automated monitoring let you ensure full regulatory compliance.

What our customers are saying.....

Explore our customer testimonials to better understand our commitment to providing valuable insights and excellent customer service based on firsthand experiences with our products.

"The Lumos Business Report is exceptionally valuable in analyzing a business or industry. I would have loved a tool like this when I was an underwriter."

"The data and insights provided by Lumos have been instrumental in driving numerous policy changes within our organization. Allowing us to quickly get comfortable with making data-backed decisions, we are also using Lumos to better enable our SBA sales team. The ease of use and intuitive user interface made it easy for our team to provide immediate value to the business and move forward with confident, well-informed decisions."

"Lumos offers community banks, like Centier, valuable insights into our markets, our competition, and the industries that ultimately drive loan performance. These metrics are delivered in an easy to follow dashboard and can provide a basis for underwriting decisions. This partnership is making a difference for Centier Bank."

...from a Trusted Partner

We collaborated with a variety of institutions to develop custom data solutions and tap into their wealth of data to illuminate the path towards sustainable growth. Together, we discovered more reliable, compliant modeling and more robust, equitable lending for financial institutions.

Here are some of the esteemed organizations gaining insight and efficiencies with Lumos.

Through his 11 years as the CFO of a high-growth financial institution, which he led through IPO, Brett refined his leadership skills. He now inspires the Lumos team to collaborate and innovate solutions. As a Tolkien, Star Trek, and Star Wars enthusiast, Brett has mastered the art of forming a holistic team for epic missions.

Whether you need to gather your disparate internal data, develop stronger models, or visualize your key insights, Lumos is here to help.

See the whole story.

Start your Data Insights journey today.