Taking the small business lending space from blind spots to brilliance

We empower lending institutions to diversify and strengthen small business loan portfolios. With Lumos, you can harness underutilized data analytics to lend equitably to small businesses and expand your lending market while mitigating risk and boosting profitability.


Our mission is to increase small businesses’ access to capital. To achieve this, we provide services to financial institutions that improve lending efficiency, portfolio management, and expand small business lending markets while minimizing risk with predictive credit performance models.
We elevate small business lending with sophisticated, data-backed predictive modeling and risk assessments. Actionable insights are revealed from small business lending trends, including the wealth of raw data historically unleveraged by financial institutions. With Lumos, financial institutions can confidently provide capital to small businesses with less risk and greater potential.



Inspiration, so we can serve our clients, businesses, and communities with a holistic and empowering approach.

Our standardized and automated metrics unveil clear guidance for confident, fair lending to underserved businesses.


Innovation, so we can close the gaps in small-business lending and discover new opportunities for growth.

We are dedicated to building your strategic competence in a data-heavy yet flawed environment.


Agility, so we can solve problems and facilitate better decisions with verifiable, customizable analysis.

We know that many financial institutions are limited by disparate, static datasets, and we aim to change that.


Clarity, so we can illuminate our clients’ best path forward and transform the industry with confidence.

We generate insights closer to the decision points so we can create value rather than complexity.


Humility, so we can admit and learn from our mistakes as we help our clients expand and refine their offerings.

Our holistic, streamlined approach champions the people behind the data.


Transparency, so we can earn our clients’ trust and build a strong foundation for their sustainable growth.

Our innovative, iterative method turns raw data into powerful insights. We reveal concrete truths rather than abstractions.

Rich Insights for Stronger Growth