Welcome to the new LUMOS website
The Opportunity
Small business lending insights
Strategic decisions require comprehensive data. The Lumos Portal provides a single source of truth for small business lending insights, giving you access to our proprietary database.
What's in the database
SBA 7(a) loans with complete loan-level detail
unique businesses
years of history from 1990s through present
Complete
loss data:
defaults, prepayments, charge-offs
small business and macroeconomic data points
Updated
Quarterly
with current information
What you can analyze
Slice the data any way you need. By geography, industry, loan size, time period, or any combination. Find the insights that matter to your strategy.
Loan performance: Expected Loss, Probability of Default, Loss Given Default, Prepayment Rates
Performance analytics segmented by industry, franchise, geography, and lender
Financial institution trends and benchmarks for peer group assessments
Macroeconomic data including unemployment, inflation, and interest rates
Use cases for Data Portal
Whether you're validating a model, exploring a new market, or preparing for a board presentation, the Data Portal gives you the numbers to back it up.
Benchmark your portfolio against market averages
Identify underserved markets with attractive risk profiles
Validate your models on historical data
Support board presentations with market intelligence
Also Available:
Franchise lending insights
Partnership with FRANdata brings franchise-specific analytics. Analyze unit success metrics, examine loan performance by franchise brand, and support emerging brands with predictive default rates.
Also Available:
SBA NAICS Report
Annual subscription ($2,000/year) providing 10 years of standardized SBA performance data by NAICS code and franchise. 700+ pages, updated quarterly.
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