Your next lending hire isn't a person.
Lumialending agents join your team already knowing how lending works — then learn how you lend, from your own manuals, checklists and credit policy. They take on the work. Your people keep every decision.
Lending still runs on inboxes, spreadsheets and memory.
Every deal moves through email threads, WhatsApp groups, colour-coded trackers and shared folders. The rules live in manuals nobody has time to re-read. So every extra deal needs another person.
Scattered conversations
Deal terms, borrower answers and approvals spread across email, chat and calls.
Manual checklists
Every document checked by hand against a tracker, deal after deal.
Growth means hiring
More volume means more processors, analysts and assistants — and more cost.
Agents you hire, one role at a time.
Each agent covers one stage of the loan lifecycle. Start with one, add more as they prove themselves.
Origination Agent
Takes the intake, sizes the loan and drafts the quote or term sheet while the borrower is still on the call.
Property Analyst
Triangulates every property data source (comps, county records, owner, flood maps) into one explained value.
KYC Agent
Reads multiple background reports and returns one risk score with clear red flags, ready for your compliance lead to sign off.
Processing Agent
Your processor's second pair of eyes — every document checked against your checklist, all the way to clear-to-close.
Underwriting Agent
Drafts the credit memo from the full case file. Your underwriter reviews, challenges and signs.
Your stack stays. Your team stays. The work gets done.
Lumialending agents plug into the systems and journeys you already run. Use them inside your own tools, or alongside them in our companion app. Either way, nothing gets replaced: no new core, no multi-year programme, no retraining your team.
Hire an agent, not a transformation programme.
| Topic | Traditional transformation | Lumialending |
|---|---|---|
| Core system | Replace or re-platform | Keep it. We plug in |
| Time to value | 12–24 month programme | Weeks out of the box* |
| Your team | Retrained on new software | Keeps its tools and journeys |
| Growing volume | Hire more people | Same team, more productive |
| Risk | Big-bang go-live | One agent at a time |
*Out-of-the-box agents go live in weeks. Timelines for custom workflows and integrations depend on your level of customisation.
Every data source. One answer about the property.
We connect to the property data providers in the market and triangulate them for you: what the property or lot is worth, what's selling around that postcode, who owns it, and where the sources disagree. In seconds, not afternoons.
Value by postcode
Closed and listed comparables, $/sq ft and value range around the subject.
Property & owner data
Parcel facts, assessed value and owner of record from official records.
Risk overlays
Flood zones, opportunity zones and neighbourhood context in one view.
Conflicts surfaced
When sources disagree, you see it, with each source and its confidence.
Onboarded like a new team member. Without the six-month ramp.
Arrives experienced
Every agent starts with industry best practice for its role: bridge, construction, fix & flip, DSCR and more.
Learns your playbook
We train it on your operations manuals, checklists, credit policy and documents, so it works the way your team already works.
Works alongside you
It does the groundwork inside your existing tools. Your people review, approve and stay accountable for every decision.
Built inside real lending operations, not in a lab.
A US private lender runs origination, KYC and now processing on Lumialending agents, trained on its own operations manuals.
Full customer story coming soon.
Scoring engine partner
The engine behind every Pauli rental decision.
In a market where traditional credit bureaus don't exist, we built the scoring engine from the ground up. It finds the best renter profile for Pauli's fleet, and gets smarter with every contract by learning from Pauli's own payment and vehicle-usage data.
AI‑assisted lending.
Not AI‑replaced lending.
People decide
Agents prepare, check and recommend. Credit decisions stay with your team.
Every number explained
No black boxes. Each figure shows where it came from and which rule applied.
Fits your stack
Works with the CRM and document storage you already use. No rip-and-replace.
Secure by design
Borrower data is minimised, isolated per lender and protected from day one.
We're building the rest of the lending stack.
Origination was the start. Here's a glimpse of what's coming. The rest stays under wraps until it's ready.
Know your capital before the deal needs it.
For lenders who fund deals with investor money.
Taking the engine to new markets.
Spain, the US and beyond, wherever good borrowers go unseen by traditional credit files.
Early-access members hear first.
Lumialending is founder-led and built by operators who have spent their careers delivering lending, banking and SaaS platforms across the US, EMEA and LATAM.
We've sat in the implementation rooms, rewritten the credit workflows and watched good teams drown in admin. Lumialending is what we wished we had. Strategic advisory continues through our sister company, Lumiatech Solutions.
Hire your first agent.
We're onboarding a small group of lenders. Tell us how you lend and we'll show you which agent should start first.
Do we need to change our core system?
No. Agents connect to the systems you already use. Your core and servicing platforms stay exactly as they are.
Will my team have to learn a new platform?
Not unless they want to. Agents work inside your current tools, and our companion app sits alongside them for anyone who prefers one place to review the work.
How long until it's live?
Out-of-the-box agents go live in weeks, starting with one. Custom workflows and integrations take longer, depending on how much you want to tailor.
Do we need to hire to run it?
No. The point is the opposite: your current team handles more volume, and we support you through onboarding and training the agents.