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Our data set covers over
2M Loans
30 Years
Trusted by industry leaders
Built for small business lending*
Lumos analyzes 2 million loans and 30 years of performance data to predict small business credit risk with precision that traditional bureaus can't match. We help banks, credit unions, and non-bank lenders approve more qualified borrowers while maintaining risk standards. Expand your market without expanding your risk.
Lumos Product Suite
Five ways we transform lending
Hear From Our Customers
What our solutions provide
Learn how Live Oak Bank Express is leveraging Lumos’ predictive models to drive operational efficiency.
Kristie Falcioni
Live Oak Bank
See how the PRIME+ Score helps them identify risk early, prevent early defaults, and manage losses more effectively.
Darren Davis
Colony Bank
Trusted by leading lenders & loan service providers
Benefits with Lumos
Why lenders choose us
Clarity
See What Traditional Bureaus Miss
Get forward-looking predictions, not backward-looking scores
Understand default probability, expected loss, and key risk factors from the deepest small business loan dataset in the industry
PRIME+ maps to quantifiable risk measurements that align across key functions at your institution
Efficiency
Decisions in Seconds, Not Days
Streamline the small loan origination process with real-time API integration
Free your underwriters from manual analysis so they can focus on building relationships and growing your portfolio
Scale operational costs without scaling headcount
Confidence
Lend More Without More Risk
Approve more loans while maintaining your risk standards
Our models identify good borrowers that traditional scoring would miss, expanding your market without expanding your risk
Minimize credit losses while maximizing profitability
Easy Integration
2-4 Weeks to Launch, Not Months
RESTful APIs integrate with your LOS and core banking systems
Dedicated implementation team ensures smooth deployment
Comprehensive documentation and ongoing support included
Developer-friendly integration that fits your workflow
Testimonials
What our customers are saying
"Lumos offers community banks, like Centier, valuable insights into our markets, our competition, and the industries that ultimately drive loan performance."
Senior Vice President at Centier Bank
"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."
Underwriting Manager, Top 5 National SBA Lender
"Together, we’re helping financial institutions transform their small business lending, and the results speak for themselves: higher approval volumes, fewer defaults, and faster time to funding."
Sean Desmond, Chief Executive Officer at nCino
"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."
VP, Senior Product Manager at US Bank
Our Mission
We're here to increase small businesses' access to capital
The Result
More businesses get funding.
Lenders grow confidently.
Everyone wins.
We built Lumos because traditional credit tools weren't designed for small business lending. Our team combines decades of banking experience with world-class data science to solve that problem. The result is a platform that helps lenders grow their portfolios with confidence.
small business
loans analyzed
years
of performance data
across economic cycles
in loans managed
by our clients
financial institutions
trust Lumos
Book a 30-minute demo. No pressure, no sales pitch. Just a straightforward conversation about whether Lumos is right for you.
What To Expect:
Quick platform overview
Live demo with real loan examples
Discussion of your specific needs
Clear next steps
"The data and insights provided by Lumos have been instrumental in driving numerous policy changes within our organization."
VP, Senior Product Manager, US Bank