The Opportunity
Custom Predictive AI Built for Your Institution
Need something specific? Drawing on our financial industry expertise, we build small business performance models tailored to your institution. Your data. Our database. Your competitive advantage.
What We Build
Institution-specific models trained on your historical data
Hybrid approach combining your data with our 30-year database
Any loan type, not limited to SBA or sub-$500K
Custom outputs matching your risk metrics and processes
Full model ownership
Our Process
We build models with you, not just for you. From discovery to deployment, you're involved at every step.
Phase 1
Discovery
Understand your needs, data, and objectives. Define success metrics.
Phase 2
Development
Build models using your data plus our database. Test multiple approaches.
Phase 3
Validation
Rigorous back-testing and stress testing. FDIC MRM compliance.
Phase 4
Deployment
Integrate into your systems. Train your team. Ongoing monitoring.
Key Benefits
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.
Achieve your specific lending goals
Gain competitive edge with proprietary models
Mitigate risk with better predictions
Extend capital confidently to underserved businesses
Compliance
All custom models are built following FDIC Model Risk Management guidance. Complete documentation, validation requirements, fair lending testing, and audit trails included.
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
Custom Solutions
for long-term growth
Use one solution or all six.
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
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