Welcome to the new LUMOS website
The Problem
Manual processes for underwriting small business loans drive up costs, introduce inconsistency, and make profitable scaling impossible. Your team is trapped in outdated workflows, trading consistency for speed—or speed for safety.
The Solution
Get comprehensive reports with clear
A-D grades in minutes
The Lumos Business Report and Qualification Grade automate pre-qualification and credit analysis with Generative AI and Machine Learning.
What You Get
A complete picture of the business and its market, delivered in minutes instead of hours.
Market analysis with county, industry, and sector insights
Production data with loan size breakdown and pricing comparisons
Competitive intelligence on market share and lender activity
Business information including online reviews and key data
Risk factors for industry and geographic insights
Qualification Grade
A clear A-D grade powered by machine learning, so your team knows exactly where each opportunity stands.
The grade predicts the average annual probability of default
Machine learning powered by 30 years of performance data
Fair lending designed and tested for bias
Key Benefits
Less time on manual analysis. More time on relationships and growth.
Automate credit pre-qualifications with data-driven parameters
Improve transparency and consistency across lending and credit teams
Enhance productivity and profitability across functions
Utilize real-time economic data to inform credit risk profiles
Improve early risk-based pricing consideration
Product At Scale
Pre-Screening:
Business Report
Data Portal
to identify opportunities and pre-qualify prospects
Underwriting:
Prime
Business Report
to assess risk and make decisions
Portfolio Management:
Portfolio Insights
Data Portal
to monitor, track migration, identify problems early
Strategic Planning:
Advisory Services
for long-term growth
Use one solution or all five.
Lumos fits your workflow.
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