Partners in small business lending
Integration Partners
We connect directly with the loan origination systems and lending platforms your team uses every day.
Type: LOS
Baker Hill offers commercial lending technology for banks and credit unions across the United States. This integration delivers predictive credit insights to financial institutions at both origination and throughout the life of the loan, expanding lender's ability to provide capital for small businesses.
Type: LOS
Lama AI provides an AI-driven loan origination platform designed to streamline intake, underwriting workflows, and borrower evaluation. Through the Lumos partnership, financial institutions gain an AI-powered, data-driven foundation for evaluating small business credit while simplifying how insights are delivered across lending workflows.
Type: Marketplace
LendAPI connects lenders to a marketplace of lending infrastructure, data services, and embedded finance tools. Through the partnership, Lumos' predictive analytics and PRIME+ scoring can be accessed within the LendAPI ecosystem to help lenders enhance underwriting, risk management, and portfolio performance.
Type: LOS
Lenders Cooperative provides a loan origination platform paired with shared services — credit underwriting, SBA servicing, and bank operations — for community and regional financial institutions. Through the Lumos partnership, their clients get score-based decisioning built into the workflow — simplifying credit assessment and speeding up underwriting.
Type: LOS
nCino is a global cloud banking platform used by financial institutions to enhance strategic decision-making, risk management, and customer satisfaction. Through the Lumos partnership, nCino users get built-in risk scoring — helping teams approve more good loans without taking on more risk.
Type: LOS
SPARK is an SBA lending platform that replaces fragmented, manual processes with one centralized system. Through the Lumos partnership, lenders can quantify credit risk and move loans through origination faster, with less manual work.
Data Partners
Industry intelligence and benchmarks built into your workflow.
Vertical IQ delivers timely, digestible Industry Intelligence that helps lenders understand the nuances of a borrower’s niche, identify industry‑specific risks and opportunities, and benchmark financial performance against peers—enabling more informed, data‑driven underwriting decisions within Lumos.
FRANdata's franchise database encompasses thousands of franchise brands and their parent companies, providing deep visibility into the franchise ecosystem. Through the Lumos partnership, lenders combine franchise data with Lumos's predictive scoring for sharper insight into franchise loan performance and risk.
Coleman Report provides industry news, regulatory insights, training, and strategic guidance for small business lenders. Through the Lumos partnership, lenders gain access to SBA policy insights, market intelligence, and educational resources alongside Lumos predictive data and analytics to support smarter lending decisions.
The Full Benefits
Our core capabilities that power everything we do
Predictive
30 Years of Training Data and over 2+ Million Loans with proven Accuracy.
Explainable
We built our models from scratch using the most comprehensive small business loan database available. Gradient boosting algorithms, ensemble modeling, dynamic factor weighting, continuous learning.
Fair Lending
Rigorously tested for bias across protected classes. Third-party validated.
Data Intelligence
The industry's deepest dataset with complete loss data over all markets, updated quarterly.
Portfolio Monitoring
Continuous surveillance with early warning signals, automated alerts, and migration tracking across your entire portfolio.
Real-Time Scoring
API-first architecture with sub-2-second response times and pre-built connectors for major LOS platforms.
Easy Integration
Submit application data & receive instant risk assessment with average response time under 2 seconds
Integration
RESTful API, platform interface, LOS integrations.
Developer Resources
Interactive docs, SDKs, code samples, sandbox environment.
Compliance & Security
Regulatory-Ready and Secure
FDIC/OCC MRM aligned. Fair lending tested. Complete documentation. Third-party validation available.
SOC 2 Type II certified. AES-256 encryption. TLS 1.3. Annual penetration testing. 99.9% uptime.
AICPA
SOC
Performance Proof
Results across institutions using Lumos today
better prediction accuracy vs traditional scores
more qualified loans approved
fewer defaults
faster underwriting
weeks average implementation
platform uptime
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