Welcome to the new LUMOS website
Our Mission
We're here to increase small businesses' access to capital
Small businesses are the backbone of the American economy, but accessing capital remains one of the biggest challenges. We help financial institutions lend more efficiently, manage portfolios with confidence, and expand into markets that traditional tools couldn't reach. When lenders grow, small businesses grow. That's the cycle we're here to accelerate.
Better data. Better models. Better partnership.
The Data Advantage
2 million loans. 30 years. Complete loss data. Every economic cycle.
The Model Advantage
Built from scratch. 25% better accuracy than consumer scores for small business lending.
The Partnership Advantage
More than a vendor. A strategic ally with a vested interest in your long-term performance.
What guides every decision we make
Champion the Client
We find genuine joy in our clients' wins and work tirelessly to secure them.
Lead with Gratitude
We approach our work and our relationships with appreciation and goodwill.
Expand the Possible
We constantly evolve our tools to help lenders say "yes" to more small businesses.
Stay Grounded
We pair tireless work ethic with a steady hand, maintaining focus and candor especially under the highest pressure.
The Team
Meet the Lumineers
Bankers, data scientists, and problem solvers working to change how small business lending works. We've sat in your seat, dealt with your regulators, and felt the same excitement and frustrations. That's why we built something new.
Brett Caines
CEO & Co-Founder
Youri Nelson
CTO & Co-Founder
Megan Pierce
CFO/COO
Carri Mitchell
Director of Product
Spears Maus
Director of Strategic Partnerships & Enterprise Sales
Cory Jones
Director of Sales
Sabrina Suggs
Director of Client Engagement
Dylan Catlett
Director of Data & Machine Learning
Matt Dillon
Director of Data Quality & Business Analytics
Trey Canter
Principal Engineer
Jan Roughton
Senior Client Engagement Specialist
Greg Mason
Senior Client Engagement Specialist
Kirra Beitel
Senior Data Integration Engineer
Bobby Herion
Senior Enterprise Account Executive
Paul Cole
Senior Machine Learning Engineer
David Begu
Software Engineer
Blaine Farrell
Business Analyst
Christian Garcia
Data Engineer
Matthew Schmitt
Data Analyst
Book a 30-minute demo. No pressure, no sales pitch. Just a straightforward conversation about whether Lumos is right for you.
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