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Lending intelligence, codified.

Our technology stack transforms the lending lifecycle, by leveraging deep market expertise with artificial intelligence. Enhancing precision, speed, and risk mitigation across every transaction.

Lumora does not operate in a technological vacuum and we are always on the look out for fintech and real estate tech players we can collaborate with.

Platform Foundation

Technology Overview

Lumora Capital’s infrastructure is built on a foundation of data-driven decision-making. We have developed a cohesive suite of applications designed to streamline operations, eliminate informational silos, and uncover hidden value in complex real estate and capital markets. Our goal is faster processes, and more time spend by our teams with our stakeholders exercising expert judgement.

End-to-End Operational Excellence.

Managing Loans Swiftly

From initial deal origination to final settlement and ongoing portfolio management, our integrated Loan Management System (LMS) and Customer Relationship Management (CRM) ensure seamless execution, reducing friction and maximizing efficiency at every stage of the lending lifecycle.

The Backbone

Centra

Our LMS built from the ground up to better interface with centralised AI.

Enquiry3
Application2
Active Loan4

Data Integrity

The Single Source of Truth.

Large complex loans have more complexity and require greater flexibility and guard rails. CENTRA has been designed to facilitate this challenge and ensure the system does not get in the way of commercial reality.

The AI Foundation

CENTRA acts as the structural foundation.

Providing the structured, real-time data required for our advanced AI agents to execute complex credit decisions.

AI-Powered Team Deal Evaluation.

Human-in-the-loop governance meets autonomous intelligence.

Nexa

Strategic thought partners throughout each transaction.

NEXA is the collaboration hub where our Specialized AI Agents—Richard (Sales), Claire (Credit), Uma (Underwriting), and Liam (Legal)—evaluate financials, profile customers, and produce our teams rapid outlines on deals to focus their attention and exercise their judgement. Allowing for prompted co-work engagement as a thought partner, as well as scheduled autonomous action.

  • Richard · Sales
  • Claire · Credit
  • Liam · Legal
  • Uma · Underwriting

Deal Data

AI-Assisted Edits
Property21 Heath Rd., NW3
Loan Value£3.2M
LTV62%
BorrowerAldgate Holdings
Risk Score

Cross-checked DSCR vs comparable…

Stress-testing rate at 8.5%…

Generating cash-flow model…

OutputIndicative Term Sheet draft ready

Control and Auditability

Generated with absolute precision.

Great care has been take to ensure our Agents don’t step out of bounds, or operate without consent.

100%human-in-the-loop
< 60sDocument Generation

Indicative Term Sheet

AI-Assisted Edits
  • Borrower: Aldgate Holdings Ltd
  • Facility Amount: £3,200,000
  • Term: 18 Months
  • Interest Rate: 0.85% per month
  • LTV: 62% against current valuation
  • FCA
  • Compliant
  • v3.2
Our Digital Workforce

Domain-Specific Intelligence. At Scale.

Visualizing Data

Institutional
Memory,
Visualized.

We systematically capture and connect decades of market experience working with our experts. This transforms fragmented, raw information into a powerful, proprietary knowledge graph that actively informs and sharpens the insights that can be delivered.

Xpdite

Compounding Knowledge and insights

Each of our agents have their own curated knowledge set (brain) allowing them to respond in ways that befits specific lenses that each transaction needs to be looked through. This ensures the analysis comes from a range of perspectives and objectives. Each transaction and use leads to learning that compound over time, whether it requires a change to prompts, underlying data sets or knowledge base.

  • Multi-Source Ingestion.

    Captures insights from expert AI training sessions, historical LMS data, and market data.

  • Intelligent Merging.

    Semantic similarity detection resolves contradictions and merges duplicate knowledge with strict multi-source attribution.

  • Deployment.

    Once peer-reviewed, expertise is pushed to update prompts, fine tuned models and/or the knowledge base.

The Agent Orchestration Engine.

Polymer

The foundational data architecture powering our agentic ecosystem. Enabling users to take advantage of a range of trained or market available models. Allowing the user to switch mid session at will to the most effective for the task.

Prompt construction system ensures effective repeatability and consistency of underlying prompt instructions and guard rails. Maximising consistency of execution.

  • Prompt Snippets.

    A modular prompt builder. Compose agent behavior from versioned, reusable snippet pills.

    • @persona/claire
    • @policy/uk-fca
    • @tone/institutional
    • @output/term-sheet

  • Tool Governance.

    Granular toggle controls for what data and tools each agent may access in production.

    • CentraCentra enabled
    • Claude Opus v4.8Claude Opus v4.8 enabled
    • Credit CheckersCredit Checkers disabled

  • Continuous Learning.

    Attach LoRA adapter files to fine-tune specific agent profiles without retraining the base model.

    Agent: Claire (Credit)v2.4.1
    claire-bridging-2025-q1.loraActive
    claire-stresstest.loraActive
Interested?

Experience the future of intelligent lending.