Receive
Applications, statements, IDs, invoices and supporting documents.
LuminoUnderwrite for commercial finance brokers
Build lender-ready packages without the back-and-forth.
Turn borrower applications, documents, KYB evidence and bank statements into a complete, structured and clearly explained SME finance package before it reaches a lender.
Assess more cases, understand each customer's needs and financial position, and match the opportunity to the right lender.
Discuss your broker workflow →Completefind missing documents early
Verifiedresolve entity and ownership
Explainedsummarise cashflow and behaviour
Lender-readystructured package and evidence
The broker workflow gap
Every lender asks for a clean file. Each asks for it differently.
Brokers lose time chasing missing pages, re-keying borrower data, checking business details, analysing statements and rebuilding the same deal for different lender requirements.
LuminoUnderwrite creates a reusable borrower intelligence package. Lender-specific checklists and outputs can then be configured without repeating the underlying analysis.
How it works
From borrower files to lender-ready submission.
The broker workflow prepares and explains the deal. It does not make the lender’s final credit decision.
Complete
Find missing statements, unsigned forms, incomplete pages and stale documents.
Verify
Resolve entity structure, ownership, identifiers, addresses and account control.
Analyse
Classify bank activity and create cashflow and behavioural metrics.
Package
Produce borrower profile, deal summary, evidence index and review notes.
Handoff
Map the structured package to the selected lender workflow or checklist.
What brokers receive
A reusable package that explains the borrower once.
Outputs can be reviewed by the broker, shared as a structured package and integrated into CRM, aggregator or lender workflows over time.
01
Completeness report
Present, missing, outdated and inconsistent documents and fields.
02
Resolved business profile
Entity, owners, guarantors, identifiers, addresses and bank-account evidence.
03
Behavioural summary
Ability, stability, conduct, trajectory, concentration and confidence.
04
Lender-ready pack
Deal summary, source index, review flags and structured data output.
Clear responsibility
Better preparation, not shadow underwriting.
LuminoUnderwrite helps the broker collect, verify, analyse and explain the application. The broker remains responsible for advice and submission. The credit provider retains policy, verification requirements and the final lending decision.
- BROKERPrepare and explain
Complete package, resolved entity, bank analysis and lender-ready summary.
- LENDERAssess and decide
Apply credit appetite, policy, pricing, conditions and final approval authority.
- EVIDENCEKeep the handoff traceable
Definitions, sources, confidence and unresolved inconsistencies remain visible.
Start with representative deals
Where does packaging consume your team’s time?
Bring a typical borrower package and the checklist for one lender workflow. We’ll define what LuminoUnderwrite should automate first.