Collect
Application, documents, bank transactions and relationship history.
LuminoUnderwrite
From SME application data to a review-ready credit assessment.
Combine KYB, loan application information, documents, bank transactions and relationship history into contextual behavioural metrics, review flags, focused questions and a source-backed credit memo.
Discuss LuminoUnderwrite →The LuminoUnderwrite workflow
Six clear stages from application to review.
Each stage has a defined input, output and evidence trail. Delivery can begin as an analyst-assisted pilot and progress to API integration.
KYB & verify
Business and applicant checks, ownership, registrations, account control and completeness.
Classify
Transaction categorisation, transfer detection and multi-account reconciliation.
Understand
Behavioural metrics across ability, stability, conduct, trajectory, concentration and confidence.
Assess
Industry context, policy rules, risk flags, exceptions and questions.
Deliver
Source-backed credit memo and structured JSON for review.
Flexible intake
Bring the borrower package in the format you receive it.
Start without forcing brokers, borrowers or credit teams into a new front end. LuminoUnderwrite can accept mixed application packages and progress to a configurable dashboard form as the workflow matures.
01
Forwarded packages
Forward application emails and broker threads with their supporting attachments.
02
Files and images
Accept structured files, unstructured PDFs, spreadsheets, bank statement exports and screenshots.
03
API and platforms
Pipe application, KYB, document and relationship data through an API or existing lending workflow.
04
Open banking
Receive consented transaction data through an approved CDR or open-banking provider.
A Luminnovate application form can later be configured within the dashboard for direct borrower or broker intake.
Who it is for
Operational underwriting intelligence for every SME case.
Designed for SME lenders, banks, non-bank credit providers and commercial finance brokers assessing new applications, renewals and referred or complex cases.
01
New applications
Establish the current credit picture from the submitted package and available bank history.
02
Renewals
Add prior applications, repayment performance and exposure to understand trajectory and material change.
03
Referred cases
Surface evidence, inconsistencies and focused questions for cases that require judgment.
04
Broker preparation
Organise and reconcile the borrower package before lender submission.
Behavioural framework
Interpretable evidence, calibrated to how the business operates.
The same metric family can mean something different for a café, builder or wholesaler. Definitions, operating context, observation coverage and confidence remain visible.
Ability
Observed cash generation and capacity to service obligations.
Stability
Revenue rhythm, volatility, seasonality and consistency.
Conduct
Repayments, dishonours, tax and payment behaviour.
Trajectory
Direction and material change, particularly at renewal.
Concentration
Reliance on customers, suppliers, channels or income sources.
Confidence
Coverage, reconciliation quality and strength of evidence.
What you receive
A reviewable underwriting asset, not a black-box answer.
LuminoUnderwrite supports human review and the client's existing policy and approval authority.
01
Resolved borrower
Entity structure, related people, account ownership and verification flags.
02
Behavioural metrics
Contextual measures with definitions, coverage and confidence.
03
Credit assessment
Risk flags, policy exceptions, questions and source-backed memo.
04
Integration output
Structured JSON through API, batch or analyst-assisted workflow.
Start with representative cases
Improve the evidence available to the underwriter.
Choose a new application, renewal or referred-case workflow.