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Prime

Predictive scoring for small business lending

Get clear probability of default, expected loss, and risk scores in seconds. PRIME+ outperforms traditional bureau scores by 35%, helping you approve good loans while catching the bad ones.

Get clear probability of default, expected loss, and risk scores in seconds. PRIME+ outperforms traditional bureau scores by 35%, helping you approve good loans while catching the bad ones.

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The Problem

Good loans get declined. Bad loans get approved. Consumer scores can’t measure commercial risk. Relying solely on personal credit history ignores the economic conditions and business-specific drivers that influence credit risk.

Good loans get declined. Bad loans get approved. Consumer scores can’t measure commercial risk. Relying solely on personal credit history ignores the economic conditions and business-specific drivers that influence credit risk.

The Solution

Prime+ is a predictive scoring model built exclusively on small business loan data

It incorporates 30 years of performance through multiple economic cycles and reacts to changing economic conditions.

Risk Score
(0-100)

Overall creditworthiness calibrated to small business performance

Probability of Default

Annual likelihood of loss over next 12 months

Expected Loss

Total projected losses after recoveries, expressed as an average annual percentage over the life of the loan.

Key Factors

What drives the prediction with dynamic weightings

Compliant, Transparent, Validated

Built following FDIC and OCC model risk management guidelines

Risk Score
(0-100)

Overall creditworthiness calibrated to small business performance

Probability of Default

Annual likelihood of loss over next 12 months

Expected Loss

Total projected losses after recoveries, expressed as an average annual percentage over the life of the loan.

Key Factors

What drives the prediction with dynamic weightings

Compliant, Transparent, Validated

Built following FDIC and OCC model risk management guidelines

How it works

Three steps to better credit decisions. Submit your data, let PRIME+ do the analysis, get actionable results.

01

Submit loan application data via API or platform

02

Prime+ analyzes against 30 years of performance data

03

Receive score, probability of default, and risk factors in under 2 seconds

Results with Prime+

Real performance across real portfolios. These aren't projections, they're outcomes from lenders using PRIME+ today.

0%

better prediction accuracy vs traditional bureau scores

20-0%

increase in qualified loan approvals

15-0%

reduction in default rates

Significantly

outperforms competing models

Product At Scale

How solutions work together

How solutions work together

Pre-Screening:

Pre-Screening:

to identify opportunities and pre-qualify prospects

Business Report

Data Portal

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.

Implementation

Week 1-2:

Technical integration, user training, workflow design

Week 3-4:

Validation on your historical data, parallel processing, refinement

Go Live:

Full deployment with ongoing support

Average Implementation:

2-4 weeks

Ready to see Lumos in action?

Book a 30-minute demo. No pressure, no sales pitch. Just a straightforward conversation about whether Lumos is right for you.

Request My Demo

Ready to see Lumos in action?

Book a 30-minute demo. No pressure, no sales pitch. Just a straightforward conversation about whether Lumos is right for you.

Request My Demo

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