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Lumos Data — Proprietary small-business loan performance dataset — 2M+ loans and 30 years of performance history — used to power predictive credit-risk models (Probability of Default, expected loss, Prime+ risk score) delivered via API to SMB lenders.. Mid-scale alternative-data vendor: 2M+ loans, 30 years of historical performance data, Seed-funded (~$3M) with ~19 employees and multiple named bank/credit-union customers (Live Oak Bank, Colony Bank, Centier Bank).. Use cases: Credit underwriting / risk-scoring API for SMB lenders, alternative credit risk modeling beyond traditional bureau sco…
Datasets
1Proprietary small-business loan performance dataset — 2M+ loans and 30 years of performance history — used to power predictive credit-risk models (Probability of Default, expected loss, Prime+ risk score) delivered via API to SMB lenders.
Scale 2From 30 yearsCoverage Financials
Sample, licence terms, pricing and eval results when Lumos Data publishes them. Until then, discover alternatives today with a 7-day trial.
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What buyers ask about Lumos Data, answered from this page.
What does Lumos Data do?
Lumos Data — Proprietary small-business loan performance dataset — 2M+ loans and 30 years of performance history — used to power predictive credit-risk models (Probability of Default, expected loss, Prime+ risk score) delivered via API to SMB lenders.. Mid-scale alternative-data vendor: 2M+ loans, 30 years of historical performance data, Seed-funded (~$3M) with ~19 employees and multiple named bank/credit-union customers (Live Oak Bank, Colony Bank, Centier Bank).. Use cases: Credit underwriting / risk-scoring API for SMB lenders, alternative credit risk modeling beyond traditional bureau sco…
What data does Lumos Data offer?
Lumos Data offers (Alternative) — 2,000,000+ loans with 30 years of historical performance data, per the company's own stated dataset coverage..
What is Lumos Data's data used for?
Credit underwriting / risk-scoring API for SMB lenders, alternative credit risk modeling beyond traditional bureau scores, portfolio benchmarking, and expanding loan approval volume while managing default risk.
How is Lumos Data's data delivered?
The data is with 30 years of history.
What does Lumos Data cover?
Coverage spans US; Consumer Finance; alternative; equities.
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