Extracting and leveraging data for enlightened decisions

Lumos’ products reflect our mission to transform complex, often siloed data into actionable insights. Backed by expert financial literacy, we provide your institution with standardized, automated metrics, powerful decisioning models, and efficient processes  with rich, curated data at the heart of it all.

Life Cycle Solutions

End-to-end solutions that fit into various areas of the lending cycle

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Predictive Models & AI

 Advanced Automated Intelligence to Streamline Approvals and Minimize Risk

Lumos PRIME+ Score

The Lumos PRIME+ scoring model improves underwriting efficiency and provides a more accurate and fairer risk assessment for small business loans less than $500 thousand. The Lumos PRIME+ score:

  • Incorporates three decades of small business performance data through multiple economic cycles and reacts with changing economic environments
  • Employs factors that actually impact small business performance rather than relying on consumer credit scores or business credit history
  • Utilizes cutting-edge machine learning algorithms
  • Predicts expected credit losses over the next twelve months
  • Is rigorously validated through back testing, stress testing, and testing against challenger models to ensure accurate and stable performance.

Lumos PRIME+ significantly outperforms competing models’ accuracy allowing lenders to approve more loans to small businesses. Finally, there is a solution for banks to more completely serve their small business clients.

Lumos Score
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Lumos Business Report and Qualification Grade

The Lumos Business Report and the small business Qualification Grade enable financial institutions to effectively manage risk during the early stages of the opportunity and improve underwriting efficiency for individual loans. Equip your financial institution with Generative AI and Machine Learning to accelerate loan growth, improve operational efficiency, effectively manage risk, and deliver consistency in the small business loan origination process.

The Lumos Business Report and Qualification Grade offer intelligent automation  and predictive modeling for increased productivity and profitability.

Boost the small business loan origination process with:

  • Automate credit pre-qualifications and parameters by which a small business loan could progress to the next stages of the loan life cycle.
  • Improve transparency and consistency among lending and credit teams.
  • Enhance performance, productivity, and profitability across the lending and credit teams.
  • Utilize real-time information and economic data to inform the credit risk profile.
  • Improve early risk-based pricing consideration.

Overcome inefficient and lengthy manual processes when assessing small business credit worthiness by leveraging intelligent automation to accelerate credit risk analysis and improve profitability.

Lumos Portfolio Insights

Lumos Portfolio Insights helps financial institutions assess risk and identify potential problem loans in their small business loan portfolio. Streamline risk management, optimize portfolio management, and analyze potential concentration risk to inform future decisions.
Get ahead of potential problem loans before they occur. Stop being reactive and become proactive. With Lumos Portfolio Insights, you can:
  • Obtain a comprehensive overview of predicted portfolio performance with probability of default, loss given default, and expected loss.
  • Evaluate your loan portfolio as a whole or categorize it by industry, geography, loan product, size, and other factors.
  • View portfolio risk migration with trends of the Lumos Portfolio Score based on your scoring frequency.
  • Understand your portfolio risk by industry or geography, state or county, and see the top factors driving the risk.
Eliminate the tedious, manual, and time-consuming process of understanding small business loan portfolio risk. With Lumos Portfolio Insights, you can efficiently and effectively enhance your portfolio monitoring with scoring and automation, increase your monitoring frequency, and proactively identify higher risk loans in your portfolio.
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Custom Predictive AI Solutions

Drawing upon our financial industry expertise, we are proficient in the building of small business performance models for lenders. If you are looking to mitigate risk, streamline decision making, and increase efficiency, we can provide custom models built specifically for your institution. We incorporate your unique data sets with our own proprietary small business and economic performance data. Our data-backed predictive analytics help you:

  • Diversify your portfolio with small-volume or SBA-backed loans.
  • Mitigate risk and confidently extend capital to underserved businesses.
  • Quicken your credit decisioning process with clear insights into underlying risk.
  • Capitalize on trends and grow sustainably in the SBA lending space.

Our models are built following the FDIC’s Model Risk Management guidance. Customized models will help you grow your business and provide a distinct advantage over your competitors.


Actionable Insights to Safely & Soundly Grow your SBA Loan Portfolio

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Small Business Lending Insights

Start making strategic decisions with greater clarity. You can access our proprietary dataset via a centralized, cloud-based platform to explore dashboards with real, usable data and visually intuitive information. The Lumos Portal provides a single source of truth for:

  • Loan performance data, such as Expected Loss, Probability of Default, Loss Given Default, and Prepayment Rates
  • Performance analytics segmented by industry, franchise, geography, and lender
  • Financial institution trends and benchmarks for peer group and competitive assessments
  • 3.5 billion small business and macroeconomic data points including unemployment, inflation, and interest rates
  • Clean, curated data transformed into intuitive visualizations

Break free from data silos, uncover growth opportunities, and reveal the insights that matter in one convenient place.

Franchise Lending Insights

Lumos and FRANdata bring powerful small business lending franchise analytics to financial institutions to mitigate risk and uncover new opportunities in one central location. Combining FRANdata’s rich franchise data and proprietary FUND™ score with Lumos’ small business lending performance data  the Franchise Lending Insights product provides the tools to:

  • Analyze unit success metrics and trends.
  • Narrow down brands that meet your specific market opportunity, brand and loan performance with the best fit tool.
  • Examine franchise loan performance through key credit indicators (probability of default, loss given default, expected loss, prepayment rates).
  • Support new or emerging brands with the 3 year predictive credit default rate, even for brands with limited historical data.

Through the Lumos Portal, financial institutions can access the Franchise Lending Insights dashboard to better understand the opportunities and risks of the small business lending market.

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SBA NAICS and Franchise Report

Gain access to clean and standardized SBA performance data segmented by NAICS and Franchise over the past 10 years. Stay informed, make data-driven decisions, and uncover opportunities for growth and success in the small business lending landscape. The report:

  • Provides a comprehensive understanding of loan performance, including the latest insights into loan default ratescharge-off ratesprepayment rates and lending volume for each NAICS or franchise.
  • Includes cleaned and standardized SBA 7a and 504 performance data, using 2022 NAICS codes and standardized franchise concepts.
  • Updated on a quarterly basis to ensure that you always have up-to-date information for your analysis.
  • Access to an annual subscription that includes advanced interactive tools and pdf download at any time.

SBA NAICS and Franchise Loan Performance Report is available for $2,000 annually. 


Tailored Lending and Data Services for Business Growth

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Financial and Data Advisory

With decades of experience, we emphasize creative problem solving and deep analysis. We’re here to clear away the cobwebs and help you fully leverage your data. By collaborating with us, you gain:

  • Empowering, data-backed insights to make stronger strategic decisions
  • Non-judgmental, customizable data solutions with tidy, transparent data points and metrics
  • Expert-level financial analysis to close the gaps, mitigate risk, and expand your portfolio

Focus your energy on growing your institution rather than combing through and sorting your disparate data.

Rich Insights for Stronger Growth