SMB & Commercial Lending
About Lumos Data
Lumos Data specializes in providing data-driven solutions for financial institutions to enhance small business lending practices. By integrating consumer, business, and economic data with cutting-edge machine learning, Lumos offers tools that improve loan origination, mitigate credit risk, and forecast portfolio performance. Their mission is to expand access to capital for small businesses while ensuring lenders operate efficiently, equitably, and profitably. Lumos’s services cater to the modern financial landscape, turning raw data into practical insights to support confident decision-making.
Products and Services
Lumos Prime+ Score
A comprehensive loan scoring model that integrates diverse data sources to evaluate credit risk for small business loans.
Predicts credit losses for loans up to $500,000 over a 12-month horizon.
Helps boost loan growth, reduce declines of creditworthy applicants, and align risk measures across institutions.
Portfolio Insights
A proactive portfolio management tool that predicts credit losses and benchmarks performance against economic indicators.
Identifies high-risk areas, optimizes credit concentration, and provides dynamic scoring for loans up to $5 million.
Custom dashboards allow real-time monitoring and risk analysis.
Custom Predictive Models
Tailored AI-driven models to meet specific lender needs, enhancing operational efficiency and decision accuracy.
Small Business Economic Index
A tool to track and forecast small business credit performance based on economic conditions, supporting risk mitigation strategies.
Advisory Services
Expert guidance on implementing data-driven lending practices, optimizing risk models, and expanding small business markets.
For more, visit Lumos Data.
Contact @ Lumos Data
Cory Joes, Director of Sales | Email: cory.jones@lumosdata.com
